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First National Trust Company

Hermitage, PA · Cert 57793

FDIC

Q2 2026

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

NIM

0.27%Q2 ’240.19%Q2 ’250.20%Q2 ’26-30%+2%

Non-interest income vs. expense

116.87%Q2 ’24117.06%Q2 ’25115.17%Q2 ’26+11%-27%

Executive Summary

  • Earnings: ROA of 44.47%, up 858 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 (quarter, annualized)

44.47%+858 bps YoY

Net Interest Margin (quarter, annualized)

0.23%+1 bps YoY

Efficiency Ratio (quarter, annualized)

65.63%-545 bps YoY

Tier 1 Leverage Ratio

90.66%+1,188 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets35.90%51.22%48.18%49.52%44.47%+858 bps
Return on Equity43.25%60.26%56.80%59.11%53.11%+986 bps
Net Interest Margin0.23%0.25%0.24%0.24%0.23%+1 bps
Efficiency Ratio71.08%61.57%63.99%62.25%65.63%-545 bps
Non-Interest Burden-46.99%-67.30%-62.51%-65.25%-59.64%-1,265 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