PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Trust Company

Hermitage, PA · Cert 57793

FDIC

Q2 2026

$54.1MAssets
$0KLoans
$0KDeposits
$45.4MEquity

NIM

0.26%Q2 ’240.19%Q2 ’250.20%Q2 ’26-29%+2%

Non-interest income vs. expense

116.40%Q2 ’24113.34%Q2 ’25111.58%Q2 ’26+0%-16%

Executive Summary

  • Earnings: ROA of 47.14%, up 502 bps year over year; NIM at 0.23%.
  • Capital: tier 1 leverage ratio of 90.66%, up 1,188 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

47.14%+502 bps YoY

Net Interest Margin (YTD, annualized)

0.23%+1 bps YoY

Efficiency Ratio (YTD, annualized)

63.95%-361 bps YoY

Tier 1 Leverage Ratio

90.66%+1,188 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets42.12%44.64%45.38%49.52%47.14%+502 bps
Return on Equity50.94%53.54%54.32%59.11%56.21%+527 bps
Net Interest Margin0.23%0.25%0.24%0.24%0.23%+1 bps
Efficiency Ratio67.56%65.59%65.18%62.25%63.95%-361 bps
Non-Interest Burden-53.74%-60.84%-59.14%-65.25%-62.22%-849 bps
Growth
Asset Growth (YoY)2.35%8.74%6.64%-3.14%14.85%+1,250 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 Ratio78.78%92.49%89.09%90.35%90.66%+1,188 bps
Total Risk-Based Capital152.39%161.12%150.53%151.13%153.75%+135 bps
Equity / Assets84.40%85.56%84.11%83.45%84.02%-38 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets24.35%23.19%24.32%23.23%23.18%-117 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a