A MESSAGE FROM Richard J. Green,
Executive Chairman and Owner

Dear Firstrust Customers,

In 2025, Firstrust Bank delivered strong financial performance, giving us the strength to continue lending, serving, and investing in our customers and communities across Greater Philadelphia, New Jersey, and Maryland.

As we enter 2026, we move forward with the same mission-led focus that has guided Firstrust for generations: to cultivate prosperity for our customers, our employees, and our communities. As a third-generation, family-owned bank, we think and act for the long term—building enduring relationships, delivering the personal service our customers expect, and continuing to invest in the capabilities needed to serve them well.

Our strategic planning reflects this disciplined approach, investing in technology and talent, growing responsibly in the communities we know best, and strengthening our ability to serve customers in a changing environment.

You will see that commitment in action as we continue to selectively open new branches, expanding our presence in Southern Jersey and Chester County, Pennsylvania, while reinforcing our deep roots in the Philadelphia region.

‍Advancing Our Strategy Through Disciplined Growth

‍A central priority of our strategic plan is strengthening our core businesses to position Firstrust for sustained, long-term success. As part of that effort, we entered into a strategic partnership with MortgageCountry, LLC, enhancing the efficiency and scalability of our mortgage operations while preserving the trusted expertise and personal service our customers expect.

This is a deliberate step forward, strengthening our capabilities and ensuring we remain competitive in a changing market, while staying true to how we serve.

We are confident it will further strengthen our ability to deliver high-quality mortgage solutions—now and into the future.

‍Technology, Innovation, and Customer Experience

‍We are making disciplined investments in technology—strengthening the customer experience and advancing our digital and product capabilities. This includes streamlining account opening, enhancing our digital banking and payments experience, and expanding our small business lending solutions to make it easier for customers to do business with us.

We are also investing in how we use data to better understand our customers, refine our processes, and deliver more seamless, personalized, and responsive experiences for every stage of our clients' financial journey.

We will continue to work with Fintech firms where they enhance our capabilities—combining innovation with the strength, stability, and personal service that define Firstrust. These efforts are focused on one outcome: delivering a more consistent and elevated experience for our customers while positioning the bank for long-term success.

‍Community

‍Our strategy is grounded in our role in the communities we serve. This quarter, as Philadelphia's Hometown Bank, and in celebration of the 250^th anniversary of our country, we are participating in Philly 250's City of Firsts—a yearlong, citywide celebration led by the Philadelphia Historic District highlighting the ideas, inventions, and milestones that began here.

As a "first" ourselves—founded in South Philadelphia as Pennsylvania's first bank chartered under the Federal Home Loan Bank system—we see a natural alignment. That is why we are sponsoring KYW Newsradio's City of Firsts Series, sharing a new story each week that reflects the spirit of innovation that defines this city.

As a commercial bank, supporting the strength and growth of businesses is central to our mission. Through our partnership as the Official Bank of the Philadelphia Eagles, we extend that commitment to the Brotherly Shove Business Spotlight—an annual program that recognizes and elevates businesses that reflect the resilience and passion that defines our region.

The program concluded with a gathering of this year's entrants and winner, where Philadelphia Eagles center Cam Jurgens shared his journey from the NFL to entrepreneurship. During the event, we recognized Havertown Carpet Company as the 2025 season recipient—an example of the kind of business that strengthens our communities.

‍Looking Ahead

Education and opportunity remain central to who we are. Judging is underway for the Samuel A. Green Scholarship, which provides $20,000 over 4 years of undergraduate education to 18 recipients each year. We look forward to recognizing this year's recipients on May 27, 2026, at the Franklin Institute.

Whether through expanding our presence, strengthening our core capabilities, or continuing to invest in our communities, we remain focused on disciplined growth—ensuring Firstrust Bank continues to serve as a trusted partner for generations to come.

‍Richard J. Green
‍Executive Chairman and Owner, Firstrust Bank

Firstrust Bank recently welcomed customers and community members to a Brotherly Shove Spotlight event celebrating entrepreneurship, leadership, and the vital role local businesses play in strengthening our region.

This evening marked a special moment as we recognized Havertown Carpet Company as the Brotherly Shove Spotlight recipient. Selected from more than 700 local business entries, Havertown Carpet earned $25,000 in promotional support and regional exposure designed to help elevate their brand and fuel continued growth. The award package included high-visibility marketing opportunities such as digital and social media promotion, in-stadium recognition during a Philadelphia Eagles home game, digital billboard advertising, and exclusive game-day experiences.

The Brotherly Shove Spotlight program was created to uplift and promote small businesess across Greater Philadelphia by providing meaningful exposure and resources that help them take the next step forward. Havertown Carpet Company's entrepreneurial spirit, commitment to quality, and continued success exemplify the values at the heart of the program.

At Firstrust, we believe strong communities are built by businesses that lead with passion, integrity, and dedication. Through initiatives like the Brotherly Shove Spotlight, we are proud to support local communities as they grow, thrive, and make a lasting impact.

Firstrust Bank is pleased to partner with Sharing Excess, a Philadelphia-based nonprofit on a mission to reduce food waste and fight food insecurity in our communities.

Recently, the Fox 29 Local Matters team visited Sharing Excess headquarters to highlight the organization's growing impact—and Firstrust's role in helping support and scale that mission. In the segment, Sharing Excess shares how it rescues and redistributes fresh, surplus food from farmers, wholesalers, and food businesses to organizations that serve people in need, with a focus on delivering healthy produce where it can make the greatest difference.

As a community partner, Firstrust supports Sharing Excess's efforts to deepen its impact right here in Philadelphia while also expanding its reach more broadly. Sharing Excess leaders note that Firstrust's shared local roots and commitment to community have helped strengthen their ability to serve neighborhoods across our region.

This partnership reflects Firstrust's longstanding commitment to investing in organizations that are making a meaningful difference—connecting people, resources, and opportunity to help our communities thrive.

Watch the Local Matters segment above to learn more about Sharing Excess and the impact of this partnership.

‍