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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

3.71%Q2 ’243.92%Q2 ’254.22%Q2 ’26+20%+14%

Non-interest income vs. expense

2.49%Q2 ’242.86%Q2 ’252.69%Q2 ’26+18%-6%

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

Executive Summary

  • Earnings: ROA of 0.94%, up 43 bps year over year; NIM at 3.52%.
  • 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 (quarter, annualized)

0.94%+43 bps YoY

Net Interest Margin (quarter, annualized)

3.52%+43 bps YoY

Efficiency Ratio (quarter, annualized)

68.98%-1,287 bps YoY

Tier 1 Leverage Ratio

7.77%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.78%0.54%0.67%0.94%+43 bps
Return on Equity7.78%11.42%7.76%9.57%13.32%+555 bps
Net Interest Margin3.09%3.27%3.23%3.33%3.52%+43 bps
Efficiency Ratio81.85%76.03%78.36%75.88%68.98%-1,287 bps
Non-Interest Burden2.45%2.40%2.44%2.44%2.31%-15 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%0.00%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