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Letter portraitLegal landscapeQuarterYTD

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