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First Harrison Bank

Corydon, IN · Cert 31223 · First Capital Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

29

Q2 2024Q2 2026peer median (50)

Asset Quality

40

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

63

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Harrison Bank

Corydon, IN · Cert 31223 · First Capital Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

$1.3BAssets
$680.2MLoans
$1.1BDeposits
$137.7MEquity
Loan mix
84%RE $555.7M10%C&I $65.7M6%Consumer $42.4MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $920.3M19%Noninterest $219.7MQ2 2025Q2 2026

NIM

4.10%Q2 ’244.47%Q2 ’254.74%Q2 ’26+11%+12%

Non-interest income vs. expense

2.28%Q2 ’242.34%Q2 ’252.37%Q2 ’26+5%+3%

Market Position · Louisville/Jefferson County, KY-IN · 2026 SOD (annual) · 2.4% share · #9 of 43 inst. · $1.1B of $48.2B

45.3% Harrison
27.2% Bullitt
4.5% Floyd
29.1% Washington

Executive Summary

  • Earnings: ROA of 1.42%, up 23 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.72% of loans (+12 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 11.33%, up 53 bps from a year ago.
  • Funding: loans stand at 59.67% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+39 bps YoY

Efficiency Ratio (YTD, annualized)

55.54%-422 bps YoY

Tier 1 Leverage Ratio

11.33%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.28%1.35%1.34%1.42%+23 bps
Return on Equity12.62%13.22%13.72%12.82%13.47%+84 bps
Net Interest Margin3.28%3.31%3.37%3.59%3.67%+39 bps
Efficiency Ratio59.76%58.60%57.28%57.03%55.54%-422 bps
Non-Interest Burden1.70%1.67%1.64%1.78%1.75%+4 bps
Growth
Asset Growth (YoY)6.83%3.89%7.13%5.74%3.81%-302 bps
Loan Growth (YoY)3.08%2.03%3.86%3.48%2.98%-10 bps
Deposit Growth (YoY)9.48%6.25%5.24%4.80%2.31%-716 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.59%0.65%0.60%0.72%+12 bps
Net Charge-Offs / Loans0.06%0.04%0.05%0.07%0.05%-1 bps
Allowance / Loans1.47%1.51%1.52%1.53%1.58%+10 bps
Allowance Coverage of NPLs2.4x2.6x2.3x2.6x2.2x-0.2x
Capital
Tier 1 Leverage Ratio10.80%10.82%11.01%11.13%11.33%+53 bps
Total Risk-Based Capital10.80%10.82%11.01%11.13%11.33%+53 bps
Equity / Assets9.56%10.35%10.51%10.41%10.70%+114 bps
Liquidity & Funding
Loans / Deposits59.28%59.46%59.12%59.26%59.67%+38 bps
Liquid Assets / Assets9.41%8.08%9.32%10.57%10.55%+114 bps
CRE / Total Capitaln/a227%237%236%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Harrison Bank

Corydon, IN · Cert 31223 · Peer group: banks $1B-$10B in assets (n=322-328) · First Capital Inc.

State charter, non-member · FDIC · 17 branches

Q2 2026

$1.3BAssets
$680.2MLoans
$1.1BDeposits
$137.7MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 68% of banks $1B-$10B in assets (rank 105 of 328).
  • Widest gap: total risk-based capital ratio trails 87% of banks $1B-$10B in assets (rank 286 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.41%

Rank 105 of 328

Net Interest Margin

3.67%

Rank 110 of 328

Efficiency Ratio

55.54%

Rank 122 of 328

Equity / Assets

10.70%

Rank 146 of 328

Non-interest income vs. expense

$8.0M$30.5MINCOMEEXPENSE
Unfavorable gap of $22.5M · efficiency ratio beats 63% of banks $1B-$10B in assets
Bank 55.54%Peer median 59.6%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%0.91%1.22%1.52%Beats 68%105 / 328
Return on Equity13.19%8.43%11.45%14.43%Beats 66%112 / 328
Net Interest Margin3.67%3.03%3.45%3.83%Beats 66%110 / 328
Efficiency Ratio55.54%51.61%59.56%67.53%Beats 63%122 / 328
Asset Quality
Nonperforming Loans / Loans0.72%0.24%0.51%1.03%Beats 37%204 / 322
Net Charge-Offs / Loans0.05%0.01%0.03%0.10%Beats 42%189 / 322
Capital
Tier 1 Capital Ratio11.33%11.75%13.15%15.47%Beats 19%267 / 328
Total Risk-Based Capital Ratio11.33%12.63%14.15%16.46%Beats 13%286 / 328
Equity / Assets10.70%9.15%10.33%12.01%Beats 55%146 / 328
Liquidity & Funding
Loans / Deposits59.67%76.63%87.92%95.36%7th pctl300 / 323
Loans / Assets52.82%65.18%74.15%79.98%10th pctl296 / 328
Brokered Deposits / Depositsn/aNot reported for this institution