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First Financial Trust & Asset Management Company, National Association

Abilene, TX · Cert 57757

FDIC

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, 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 TX (n=230 to 233). 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

100

Q2 2024Q2 2024peer median (50)

Asset Quality

No peer data yet

Profitability

69

Q2 2024Q2 2024peer median (50)

Liquidity

No peer data yet

Efficiency

96

Q2 2024Q2 2024peer 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 Financial Trust & Asset Management Company, National Association

Abilene, TX · Cert 57757

FDIC

Q2 2024

$64.4MAssets
n/aLoans
n/aDeposits
$63.5MEquity

NIM

1.68%Q2 ’222.37%Q2 ’232.08%Q2 ’24+41%-12%

Non-interest income vs. expense

36.27%Q2 ’2227.44%Q2 ’2327.00%Q2 ’24+20%+2%

Executive Summary

  • Earnings: ROA of 40.50%, down 115 bps year over year; NIM at 2.08%.
  • Capital: tier 1 leverage ratio of 103.59%, up 20 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

40.50%-115 bps YoY

Net Interest Margin (YTD, annualized)

2.08%-29 bps YoY

Efficiency Ratio (YTD, annualized)

35.24%+19 bps YoY

Tier 1 Leverage Ratio

103.59%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets41.64%40.90%40.53%40.69%40.50%-115 bps
Return on Equity42.39%41.52%41.11%41.62%41.29%-109 bps
Net Interest Margin2.37%2.30%2.21%2.05%2.08%-29 bps
Efficiency Ratio35.05%35.45%35.87%35.49%35.24%+19 bps
Non-Interest Burden-48.48%-46.17%-45.48%-49.47%-47.53%+95 bps
Growth
Asset Growth (YoY)26.32%26.74%18.07%18.02%21.67%-464 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio103.39%103.68%102.08%104.14%103.59%+20 bps
Total Risk-Based Capital455%373%373%363%370%-8,421 bps
Equity / Assets99.49%99.23%98.91%96.71%98.64%-86 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/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 Financial Trust & Asset Management Company, National Association

Abilene, TX · Cert 57757 · Peer group: banks under $1B in assets in TX (n=230-233)

FDIC

Q2 2024

$64.4MAssets
n/aLoans
n/aDeposits
$63.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 100% of banks under $1B in assets in TX (rank 1 of 233).
  • Widest gap: net interest margin trails 94% of banks under $1B in assets in TX (rank 219 of 233).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

38.56%

Rank 1 of 233

Net Interest Margin

2.08%

Rank 219 of 233

Efficiency Ratio

35.24%

Rank 10 of 233

Equity / Assets

98.64%

Rank 1 of 233

Non-interest income vs. expense

$47.2M$17.1MINCOMEEXPENSE
Favorable gap of $30.1M · efficiency ratio beats 96% of banks under $1B in assets in TX
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets38.56%0.66%1.01%1.44%Beats 100%1 / 233
Return on Equity39.09%6.91%10.66%15.84%Beats 100%1 / 230
Net Interest Margin2.08%2.79%3.53%4.17%Beats 6%219 / 233
Efficiency Ratio35.24%55.42%65.61%76.71%Beats 96%10 / 233
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio370%11.55%14.37%19.48%Beats 100%1 / 233
Total Risk-Based Capital Ratio370%11.65%14.99%20.32%Beats 100%1 / 233
Equity / Assets98.64%7.96%9.71%11.52%Beats 100%1 / 233
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assetsn/aNot reported for this institution
Brokered Deposits / Depositsn/aNot reported for this institution