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Fleetwood Bank

Fleetwood, PA · Cert 13561 · Fleetwood Bank Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

40

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

31

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

Fleetwood Bank

Fleetwood, PA · Cert 13561 · Fleetwood Bank Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

$415.6MAssets
$245.6MLoans
$381.1MDeposits
$29.2MEquity
Loan mix
90%RE $206.2M10%C&I $22.3M0%Consumer $0.2MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $302.6M21%Noninterest $78.5MQ2 2025Q2 2026

NIM

3.64%Q2 ’243.81%Q2 ’254.11%Q2 ’26+18%+14%

Non-interest income vs. expense

2.55%Q2 ’242.76%Q2 ’252.72%Q2 ’26+10%-1%

Market Position · Reading, PA · 2026 SOD (annual) · 1.7% share · #10 of 19 inst. · $0.4B of $22.7B

Executive Summary

  • Earnings: ROA of 0.80%, up 28 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 0.56% of loans (-6 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.77%, up 10 bps from a year ago.
  • Funding: loans stand at 64.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+28 bps YoY

Net Interest Margin (YTD, annualized)

3.38%+41 bps YoY

Efficiency Ratio (YTD, annualized)

72.29%-943 bps YoY

Tier 1 Leverage Ratio

7.77%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.61%0.59%0.67%0.80%+28 bps
Return on Equity8.12%9.27%8.88%9.57%11.46%+334 bps
Net Interest Margin2.97%3.06%3.08%3.33%3.38%+41 bps
Efficiency Ratio81.72%79.72%79.37%75.88%72.29%-943 bps
Non-Interest Burden2.35%2.36%2.37%2.44%2.34%-1 bps
Growth
Asset Growth (YoY)1.73%0.94%3.01%2.66%5.25%+352 bps
Loan Growth (YoY)6.28%4.38%7.94%6.58%6.46%+18 bps
Deposit Growth (YoY)0.74%0.95%-1.42%1.88%4.83%+409 bps
Asset Quality
Nonperforming Loans / Loans0.62%0.62%0.59%0.59%0.56%-6 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%0.01%0.00%+1 bps
Allowance / Loans1.27%1.27%1.23%1.25%1.21%-5 bps
Allowance Coverage of NPLs2.1x2.1x2.1x2.1x2.2x+0.1x
Capital
Tier 1 Leverage Ratio7.67%7.75%7.74%7.78%7.77%+10 bps
Total Risk-Based Capital14.57%14.59%14.08%14.30%14.10%-46 bps
Equity / Assets6.64%6.94%6.93%7.11%7.02%+38 bps
Liquidity & Funding
Loans / Deposits63.46%64.46%67.56%65.30%64.44%+99 bps
Liquid Assets / Assets20.07%18.27%18.54%18.12%22.58%+251 bps
CRE / Total Capitaln/a182.48%186.37%185.04%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

Fleetwood Bank

Fleetwood, PA · Cert 13561 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Fleetwood Bank Corp.

State charter, Fed member · FED · 7 branches

Q2 2026

$415.6MAssets
$245.6MLoans
$381.1MDeposits
$29.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 61% of banks under $1B in assets operating in a single state (rank 291 of 743).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets operating in a single state (rank 697 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.78%

Rank 528 of 746

Net Interest Margin

3.38%

Rank 495 of 746

Efficiency Ratio

72.29%

Rank 513 of 746

Equity / Assets

7.02%

Rank 697 of 746

Non-interest income vs. expense

$1.6M$11.2MINCOMEEXPENSE
Unfavorable gap of $9.6M · efficiency ratio beats 31% of banks under $1B in assets operating in a single state
Bank 72.29%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.78%0.72%1.06%1.45%Beats 29%528 / 746
Return on Equity11.17%6.74%10.51%13.63%Beats 57%323 / 746
Net Interest Margin3.38%3.17%3.68%4.16%Beats 34%495 / 746
Efficiency Ratio72.29%55.74%64.58%75.47%Beats 31%513 / 746
Asset Quality
Nonperforming Loans / Loans0.56%0.09%0.42%1.07%Beats 44%419 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 61%291 / 743
Capital
Tier 1 Capital Ratio12.90%11.55%13.75%17.60%Beats 41%443 / 746
Total Risk-Based Capital Ratio14.10%11.71%14.33%18.43%Beats 47%394 / 746
Equity / Assets7.02%8.90%10.51%13.06%Beats 7%697 / 746
Liquidity & Funding
Loans / Deposits64.44%61.31%78.27%90.78%29th pctl530 / 746
Loans / Assets59.10%53.60%66.97%76.08%34th pctl491 / 746
Brokered Deposits / Depositsn/aNot reported for this institution