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Central Penn Bank & Trust

Mifflinburg, PA · Cert 10685 · Steele Bcorp Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

61

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

Central Penn Bank & Trust

Mifflinburg, PA · Cert 10685 · Steele Bcorp Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.3BAssets
$924.7MLoans
$1.1BDeposits
$124.5MEquity
Loan mix
86%RE $757.4M13%C&I $114.1M1%Consumer $11.5MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $898.2M20%Noninterest $222.8MQ3 2024Q2 2026

Market Position · State College, PA · 2026 SOD (annual) · 1.2% share · #13 of 16 inst. · $0.1B of $4.6B

35.0% Union
32.3% Snyder
16.9% Northumberland
1.2% Centre

Executive Summary

  • Earnings: ROA of 1.61%, up 42 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.80% of loans (+76 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.01%, down 78 bps from a year ago.
  • Funding: loans stand at 82.48% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.61%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.95%+78 bps YoY

Efficiency Ratio (YTD, annualized)

50.70%-678 bps YoY

Tier 1 Leverage Ratio

9.01%-78 bps YoY

NIM

4.44%Q2 ’244.93%Q2 ’255.42%Q2 ’26+14%+25%

Non-interest income vs. expense

2.01%Q2 ’242.04%Q2 ’252.50%Q2 ’26+2%+19%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.78%1.20%1.19%-0.09%0.52%1.59%1.61%+42 bps
Return on Equity10.41%8.45%13.21%13.17%-0.99%5.69%16.63%16.61%+344 bps
Net Interest Margin2.81%2.79%3.12%3.17%2.54%2.57%3.92%3.95%+78 bps
Efficiency Ratio62.83%67.43%58.23%57.48%75.61%67.13%51.35%50.70%-678 bps
Non-Interest Burden1.63%1.77%1.65%1.66%1.89%1.70%2.00%1.97%+31 bps
Growth
Asset Growth (YoY)4.96%6.48%8.61%10.71%112.28%110.73%108.14%102.20%+9,149 bps
Loan Growth (YoY)7.64%12.48%13.92%15.66%119.23%110.43%104.05%97.75%+8,209 bps
Deposit Growth (YoY)4.09%3.54%8.41%7.30%122.69%127.02%120.31%117.83%+11,053 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.10%0.08%0.04%0.18%0.41%0.80%0.80%+76 bps
Net Charge-Offs / Loans0.01%0.01%0.00%0.00%0.01%0.01%0.01%0.01%+1 bps
Allowance / Loans0.96%1.00%0.99%0.99%1.06%1.08%1.06%1.07%+8 bps
Allowance Coverage of NPLs8.0x10.0x12.2x25.3x6.0x2.7x1.3x1.3x-24.0x
Capital
Tier 1 Leverage Ratio10.20%9.67%9.79%9.79%9.93%8.56%8.94%9.01%-78 bps
Total Risk-Based Capital10.20%9.67%9.79%9.79%9.93%8.56%8.94%9.01%-78 bps
Equity / Assets9.46%8.94%9.18%8.98%9.25%9.46%9.71%9.82%+85 bps
Liquidity & Funding
Loans / Deposits82.71%89.12%88.78%90.86%81.43%82.60%82.23%82.48%-838 bps
Liquid Assets / Assets2.37%1.95%1.92%1.80%3.36%2.65%3.73%3.34%+155 bps
CRE / Total Capitaln/an/an/an/a261%266%259%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

Central Penn Bank & Trust

Mifflinburg, PA · Cert 10685 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Steele Bcorp Inc.

State charter, non-member · FDIC · 13 branches

Q2 2026

$1.3BAssets
$924.7MLoans
$1.1BDeposits
$124.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 41 of 258).
  • Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets operating in a single state (rank 258 of 258).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.60%

Rank 55 of 258

Net Interest Margin

3.95%

Rank 55 of 258

Efficiency Ratio

56.34%

Rank 101 of 257

Equity / Assets

9.82%

Rank 148 of 258

Non-interest income vs. expense

$6.7M$31.9MINCOMEEXPENSE
Unfavorable gap of $25.2M · efficiency ratio beats 61% of banks $1B-$10B in assets operating in a single state
Bank 56.34%Peer median 60.3%Q3 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.60%0.93%1.23%1.54%Beats 79%55 / 258
Return on Equity16.25%9.26%11.84%14.74%Beats 84%41 / 258
Net Interest Margin3.95%3.16%3.49%3.88%Beats 79%55 / 258
Efficiency Ratio56.34%51.71%60.30%69.65%Beats 61%101 / 257
Asset Quality
Nonperforming Loans / Loans0.80%0.19%0.46%0.90%Beats 28%186 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 78%60 / 258
Capital
Tier 1 Capital Ratio9.01%11.41%12.98%15.12%Beats 0%258 / 258
Total Risk-Based Capital Ratio9.01%12.10%13.91%16.08%Beats 0%258 / 258
Equity / Assets9.82%9.09%10.24%11.72%Beats 43%148 / 258
Liquidity & Funding
Loans / Deposits82.48%73.24%86.34%95.95%40th pctl155 / 258
Loans / Assets73.00%63.01%72.27%78.40%52nd pctl123 / 258
Brokered Deposits / Depositsn/aNot reported for this institution