First National Trust Company

Hermitage, PA · Cert 57793

FDIC

Q2 2026

$54.1MAssets

$0KLoans

$0KDeposits

$45.4MEquity

Executive Summary

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.

Metric	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	41.89%	40.17%	46.11%	42.12%	44.64%	45.38%	49.52%	47.14%	+502 bps
Return on Equity	49.83%	48.03%	56.29%	50.94%	53.54%	54.32%	59.11%	56.21%	+527 bps
Net Interest Margin	0.31%	0.29%	0.23%	0.23%	0.25%	0.24%	0.24%	0.23%	+1 bps
Efficiency Ratio	68.87%	69.25%	64.18%	67.56%	65.59%	65.18%	62.25%	63.95%	-361 bps
Non-Interest Burden	-52.14%	-50.10%	-61.52%	-53.74%	-60.84%	-59.14%	-65.25%	-62.22%	-849 bps
Growth
Asset Growth (YoY)	8.47%	13.40%	17.36%	2.35%	8.74%	6.64%	-3.14%	14.85%	+1,250 bps
Loan Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Deposit Growth (YoY)	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Asset Quality
Nonperforming Loans / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	82.89%	85.23%	94.48%	78.78%	92.49%	89.09%	90.35%	90.66%	+1,188 bps
Total Risk-Based Capital	159.17%	158.42%	163.53%	152.39%	161.12%	150.53%	151.13%	153.75%	+135 bps
Equity / Assets	83.17%	82.01%	81.81%	84.40%	85.56%	84.11%	83.45%	84.02%	-38 bps
Liquidity & Funding
Loans / Deposits	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquid Assets / Assets	20.67%	23.72%	20.57%	24.35%	23.19%	24.32%	23.23%	23.18%	-117 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	n/a	n/a