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FCN Bank, National Association

Brookville, IN · Cert 4319 · FCN Banc Corp.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Cincinnati, OH-KY-IN area3

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 under $1B in assets in the Cincinnati, OH-KY-IN area (n=15). 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

22

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

64

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

87

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

FCN Bank, National Association

Brookville, IN · Cert 4319 · FCN Banc Corp.

National charter · OCC · 6 branches

Q2 2026

$812.5MAssets
$553.8MLoans
$706.5MDeposits
$65.4MEquity
Loan mix
90%RE $454.5M9%C&I $46.0M1%Consumer $6.9MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $557.5M21%Noninterest $149.0MQ3 2024Q2 2026

Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.3% share · #18 of 54 inst. · $0.6B of $187.5B

40.8% Franklin
9.4% Dearborn
11.4% Ripley
0.1% Hamilton

Executive Summary

  • Earnings: ROA of 1.06%, up 32 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.02% of loans (-1 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 9.92%, up 21 bps from a year ago.
  • Funding: loans stand at 78.39% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+38 bps YoY

Efficiency Ratio (YTD, annualized)

63.03%-917 bps YoY

Tier 1 Leverage Ratio

9.92%+21 bps YoY

NIM

4.27%Q2 ’244.51%Q2 ’254.65%Q2 ’26+19%+15%

Non-interest income vs. expense

2.11%Q2 ’242.17%Q2 ’252.13%Q2 ’26+2%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.53%0.65%0.75%0.77%0.81%0.97%1.06%+32 bps
Return on Equity7.57%8.66%10.42%11.59%11.40%11.58%12.47%13.48%+189 bps
Net Interest Margin2.14%2.15%2.48%2.61%2.69%2.70%2.95%2.99%+38 bps
Efficiency Ratio79.65%78.34%75.01%72.19%72.14%70.69%66.36%63.03%-917 bps
Non-Interest Burden1.61%1.58%1.75%1.75%1.81%1.77%1.81%1.72%-3 bps
Growth
Asset Growth (YoY)9.39%0.41%-0.99%-1.62%-7.35%-0.24%2.47%4.60%+622 bps
Loan Growth (YoY)2.90%1.69%1.95%1.87%2.36%4.46%7.42%11.27%+940 bps
Deposit Growth (YoY)12.24%-0.24%-1.01%-2.68%-9.66%-3.52%-0.87%1.83%+451 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.00%0.02%0.02%0.02%0.02%0.02%-1 bps
Net Charge-Offs / Loans-0.03%-0.03%-0.02%-0.02%-0.02%-0.02%-0.02%-0.02%0 bps
Allowance / Loans1.29%1.30%1.31%1.25%1.24%1.21%1.18%1.15%-11 bps
Allowance Coverage of NPLs55.8xn/an/a52.9x53.1x53.6x69.3x74.0x+21.1x
Capital
Tier 1 Leverage Ratio9.10%9.09%9.50%9.71%9.84%9.82%9.88%9.92%+21 bps
Total Risk-Based Capital14.67%14.88%15.14%15.02%15.33%15.34%15.28%15.18%+16 bps
Equity / Assets6.36%6.17%6.38%6.77%7.58%7.95%7.65%8.05%+128 bps
Liquidity & Funding
Loans / Deposits65.17%69.16%69.78%71.74%73.85%74.88%75.61%78.39%+665 bps
Liquid Assets / Assets6.89%3.05%1.85%1.26%1.19%2.40%2.17%0.70%-56 bps
CRE / Total Capitaln/an/an/an/a320%321%330%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

FCN Bank, National Association

Brookville, IN · Cert 4319 · Peer group: banks under $1B in assets in the Cincinnati, OH-KY-IN area (n=15) · FCN Banc Corp.

National charter · OCC · 6 branches

Q2 2026

$812.5MAssets
$553.8MLoans
$706.5MDeposits
$65.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 93% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 2 of 15).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets in the Cincinnati, OH-KY-IN area (rank 14 of 15).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.05%

Rank 4 of 15

Net Interest Margin

2.99%

Rank 10 of 15

Efficiency Ratio

63.03%

Rank 3 of 15

Equity / Assets

8.05%

Rank 14 of 15

Non-interest income vs. expense

$3.3M$17.1MINCOMEEXPENSE
Unfavorable gap of $13.8M · efficiency ratio beats 87% of banks under $1B in assets in the Cincinnati, OH-KY-IN area
Bank 63.03%Peer median 75.5%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.05%0.35%0.56%1.05%Beats 73%4 / 15
Return on Equity13.01%1.73%4.99%6.76%Beats 87%2 / 15
Net Interest Margin2.99%2.85%3.21%3.42%Beats 33%10 / 15
Efficiency Ratio63.03%64.82%75.45%88.43%Beats 87%3 / 15
Asset Quality
Nonperforming Loans / Loans0.02%0.12%0.43%1.30%Beats 93%2 / 15
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 47%9 / 15
Capital
Tier 1 Capital Ratio14.01%13.11%14.76%20.06%Beats 27%11 / 15
Total Risk-Based Capital Ratio15.18%14.37%15.36%20.06%Beats 33%10 / 15
Equity / Assets8.05%10.14%11.33%20.42%Beats 7%14 / 15
Liquidity & Funding
Loans / Deposits78.39%80.04%97.18%103.56%7th pctl14 / 15
Loans / Assets68.16%68.16%75.18%82.63%20th pctl12 / 15
Brokered Deposits / Depositsn/aNot reported for this institution