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First Resource Bank

Exton, PA · Cert 57967 · First Resource Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$840.9MAssets
$726.9MLoans
$749.9MDeposits
$69.7MEquity
Loan mix
94%RE $661.1M6%C&I $44.1M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $620.4M17%Noninterest $129.6MQ2 2025Q2 2026

NIM

5.71%Q2 ’246.01%Q2 ’256.06%Q2 ’26+10%+11%

Non-interest income vs. expense

2.15%Q2 ’242.18%Q2 ’252.17%Q2 ’26+2%-2%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #29 of 88 inst. · $0.7B of $685.1B

3.9% Chester
0.7% Delaware

Executive Summary

  • Earnings: ROA of 1.37%, up 26 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.12% of loans (+9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.62%, up 17 bps from a year ago.
  • Funding: loans stand at 96.93% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.85%+38 bps YoY

Efficiency Ratio (YTD, annualized)

53.17%-605 bps YoY

Tier 1 Leverage Ratio

8.62%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.17%1.18%1.31%1.37%+26 bps
Return on Equity13.99%14.82%14.97%16.21%16.78%+279 bps
Net Interest Margin3.47%3.48%3.27%3.72%3.85%+38 bps
Efficiency Ratio59.22%57.71%56.98%53.72%53.17%-605 bps
Non-Interest Burden1.97%1.92%1.79%1.87%1.93%-3 bps
Growth
Asset Growth (YoY)8.83%11.23%23.17%20.10%20.61%+1,178 bps
Loan Growth (YoY)8.93%12.36%13.37%16.57%16.33%+741 bps
Deposit Growth (YoY)11.93%15.19%31.94%25.68%24.84%+1,291 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.00%0.11%0.43%0.12%+9 bps
Net Charge-Offs / Loans0.37%0.28%0.21%0.00%0.00%-37 bps
Allowance / Loans0.76%0.72%0.73%0.76%0.79%+3 bps
Allowance Coverage of NPLs22.0xn/a6.8x1.8x6.5x-15.5x
Capital
Tier 1 Leverage Ratio8.45%8.43%8.40%8.38%8.62%+17 bps
Total Risk-Based Capital12.29%12.15%11.71%11.64%11.83%-46 bps
Equity / Assets7.96%8.00%7.88%8.24%8.29%+33 bps
Liquidity & Funding
Loans / Deposits104.01%103.74%92.92%97.60%96.93%-709 bps
Liquid Assets / Assets5.28%4.83%11.79%6.92%7.92%+264 bps
CRE / Total Capitaln/a685%658%670%n/an/a