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1st Trust Bank, Inc.

Hazard, KY · Cert 57869

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KY3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, 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 KY (n=69). 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

77

Q2 2024Q2 2026peer median (50)

Profitability

23

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer 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

1st Trust Bank, Inc.

Hazard, KY · Cert 57869

State charter, non-member · FDIC · 4 branches

Q2 2026

$351.7MAssets
$297.4MLoans
$309.2MDeposits
$30.8MEquity
Loan mix
82%RE $227.2M15%C&I $40.2M3%Consumer $9.6MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $268.3M13%Noninterest $40.8MQ2 2025Q2 2026

NIM

4.99%Q2 ’245.40%Q2 ’255.68%Q2 ’26+11%+17%

Non-interest income vs. expense

2.53%Q2 ’242.38%Q2 ’252.49%Q2 ’26-5%+4%

Executive Summary

  • Earnings: ROA of 0.75%, up 24 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.15% of loans (-87 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.65%, up 24 bps from a year ago.
  • Funding: loans stand at 96.20% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.75%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+49 bps YoY

Efficiency Ratio (YTD, annualized)

68.20%-796 bps YoY

Tier 1 Leverage Ratio

9.65%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.59%0.66%0.65%0.75%+24 bps
Return on Equity6.11%6.94%7.66%7.38%8.59%+248 bps
Net Interest Margin2.87%2.92%2.97%3.29%3.36%+49 bps
Efficiency Ratio76.17%73.59%71.04%72.01%68.20%-796 bps
Non-Interest Burden2.12%2.07%2.02%2.29%2.20%+8 bps
Growth
Asset Growth (YoY)11.88%2.11%6.39%8.34%8.14%-375 bps
Loan Growth (YoY)12.41%7.40%7.60%10.60%15.65%+324 bps
Deposit Growth (YoY)12.44%7.30%5.89%3.62%4.06%-838 bps
Asset Quality
Nonperforming Loans / Loans1.02%0.06%0.06%0.95%0.15%-87 bps
Net Charge-Offs / Loans0.03%0.02%0.03%0.00%0.01%-2 bps
Allowance / Loans0.65%0.67%0.69%0.68%0.69%+4 bps
Allowance Coverage of NPLs0.6x10.8x11.2x0.7x4.6x+4.0x
Capital
Tier 1 Leverage Ratio9.41%9.46%9.54%9.61%9.65%+24 bps
Total Risk-Based Capital9.41%9.46%9.54%9.61%9.65%+24 bps
Equity / Assets8.40%8.85%8.88%8.66%8.75%+35 bps
Liquidity & Funding
Loans / Deposits86.56%88.82%87.09%92.19%96.20%+965 bps
Liquid Assets / Assets8.86%7.29%9.09%8.69%5.42%-344 bps
CRE / Total Capitaln/a448%433%446%n/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

1st Trust Bank, Inc.

Hazard, KY · Cert 57869 · Peer group: banks under $1B in assets in KY (n=69)

State charter, non-member · FDIC · 4 branches

Q2 2026

$351.7MAssets
$297.4MLoans
$309.2MDeposits
$30.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 78% of banks under $1B in assets in KY (rank 16 of 69).
  • Widest gap: total risk-based capital ratio trails 91% of banks under $1B in assets in KY (rank 63 of 69).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.73%

Rank 57 of 69

Net Interest Margin

3.36%

Rank 53 of 69

Efficiency Ratio

68.20%

Rank 47 of 69

Equity / Assets

8.75%

Rank 50 of 69

Non-interest income vs. expense

$1.0M$8.4MINCOMEEXPENSE
Unfavorable gap of $7.4M · efficiency ratio beats 33% of banks under $1B in assets in KY
Bank 68.20%Peer median 63.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.83%1.18%1.44%Beats 17%57 / 69
Return on Equity8.39%7.64%11.70%15.70%Beats 30%48 / 69
Net Interest Margin3.36%3.45%3.75%3.96%Beats 23%53 / 69
Efficiency Ratio68.20%55.32%62.99%70.80%Beats 33%47 / 69
Asset Quality
Nonperforming Loans / Loans0.15%0.18%0.52%1.14%Beats 78%16 / 69
Net Charge-Offs / Loans0.01%0.01%0.02%0.06%Beats 75%18 / 69
Capital
Tier 1 Capital Ratio9.65%11.33%13.58%16.27%Beats 10%62 / 69
Total Risk-Based Capital Ratio9.65%11.55%14.43%17.27%Beats 9%63 / 69
Equity / Assets8.75%8.31%9.91%12.53%Beats 28%50 / 69
Liquidity & Funding
Loans / Deposits96.20%71.40%81.07%88.03%84th pctl11 / 69
Loans / Assets84.56%61.10%68.66%76.68%88th pctl8 / 69
Brokered Deposits / Depositsn/aNot reported for this institution