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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