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Letter portraitLegal landscapeQuarterYTD

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 $9.6MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $268.3M13%Noninterest $40.8MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.32%0.42%0.51%0.59%0.66%0.65%0.75%+24 bps
Return on Equity3.07%3.63%4.97%6.11%6.94%7.66%7.38%8.59%+248 bps
Net Interest Margin2.57%2.56%2.83%2.87%2.92%2.97%3.29%3.36%+49 bps
Efficiency Ratio86.10%83.55%78.49%76.17%73.59%71.04%72.01%68.20%-796 bps
Non-Interest Burden2.16%2.08%2.16%2.12%2.07%2.02%2.29%2.20%+8 bps
Growth
Asset Growth (YoY)19.71%8.08%12.66%11.88%2.11%6.39%8.34%8.14%-375 bps
Loan Growth (YoY)12.10%11.41%13.69%12.41%7.40%7.60%10.60%15.65%+324 bps
Deposit Growth (YoY)18.13%11.94%13.28%12.44%7.30%5.89%3.62%4.06%-838 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.12%0.15%1.02%0.06%0.06%0.95%0.15%-87 bps
Net Charge-Offs / Loans0.08%0.07%0.03%0.03%0.02%0.03%0.00%0.01%-2 bps
Allowance / Loans0.63%0.64%0.63%0.65%0.67%0.69%0.68%0.69%+4 bps
Allowance Coverage of NPLs4.8x5.4x4.1x0.6x10.8x11.2x0.7x4.6x+4.0x
Capital
Tier 1 Leverage Ratio9.76%9.56%9.56%9.41%9.46%9.54%9.61%9.65%+24 bps
Total Risk-Based Capital9.76%9.56%9.56%9.41%9.46%9.54%9.61%9.65%+24 bps
Equity / Assets8.48%8.44%8.44%8.40%8.85%8.88%8.66%8.75%+35 bps
Liquidity & Funding
Loans / Deposits88.73%85.71%86.37%86.56%88.82%87.09%92.19%96.20%+965 bps
Liquid Assets / Assets9.86%8.87%8.91%8.86%7.29%9.09%8.69%5.42%-344 bps
CRE / Total Capitaln/an/an/an/a448%433%446%n/an/a