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Jersey Shore State Bank

Jersey Shore, PA · Cert 14359

FDIC · 17 branches

Q2 2025

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 2025, the quarter ended June 30, 2025, 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=293 to 294). 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

18

Q2 2024Q2 2025peer median (50)

Asset Quality

30

Q2 2024Q2 2025peer median (50)

Profitability

48

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

48

Q2 2024Q2 2025peer 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

Jersey Shore State Bank

Jersey Shore, PA · Cert 14359

FDIC · 17 branches

Q2 2025

$1.6BAssets
$1.4BLoans
$1.1BDeposits
$141.8MEquity
Loan mix
76%RE $813.1M8%C&I $86.1M16%Consumer $169.1MQ3 2023Q2 2025
Deposit mix
74%Interest-bearing $839.0M26%Noninterest $291.8MQ3 2023Q2 2025

Market Position · Williamsport, PA · 2025 SOD (annual) · 21.5% share · #1 of 11 inst. · $0.7B of $3.1B

21.5% Lycoming
4.0% Centre
23.3% Clinton
15.1% Montour

Executive Summary

  • Earnings: ROA of 1.10%, up 25 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.70% of loans (+23 bps YoY), with net recoveries of 0.11%.
  • Capital: tier 1 leverage ratio of 8.84%, up 38 bps from a year ago.
  • Funding: loans stand at 119.99% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

1.10%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+33 bps YoY

Efficiency Ratio (YTD, annualized)

64.68%-439 bps YoY

Tier 1 Leverage Ratio

8.84%+38 bps YoY

NIM

3.94%Q2 ’234.75%Q2 ’245.02%Q2 ’25-6%+14%

Non-interest income vs. expense

1.93%Q2 ’231.86%Q2 ’241.97%Q2 ’25-3%+7%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.71%0.75%0.74%0.85%0.82%0.78%1.53%1.10%+25 bps
Return on Equity9.47%9.97%9.35%10.65%10.21%9.62%17.95%12.77%+212 bps
Net Interest Margin2.31%2.27%2.24%2.29%2.32%2.37%2.64%2.63%+33 bps
Efficiency Ratio69.68%70.01%69.45%69.07%67.07%67.41%66.56%64.68%-439 bps
Non-Interest Burden1.48%1.46%1.41%1.45%1.42%1.45%1.62%1.55%+9 bps
Growth
Asset Growth (YoY)12.70%9.21%5.09%3.29%2.85%0.67%1.84%1.18%-211 bps
Loan Growth (YoY)14.83%10.71%7.00%4.30%2.67%1.87%2.62%1.78%-252 bps
Deposit Growth (YoY)-4.88%-0.62%-7.38%1.52%6.20%3.87%5.29%2.29%+76 bps
Asset Quality
Nonperforming Loans / Loans0.17%0.18%0.56%0.47%0.54%0.58%0.63%0.70%+23 bps
Net Charge-Offs / Loans-0.05%-0.07%0.04%-0.05%-0.01%0.00%-0.31%-0.11%-7 bps
Allowance / Loans0.80%0.73%0.72%0.67%0.69%0.72%0.57%0.60%-7 bps
Allowance Coverage of NPLs4.8x4.1x1.3x1.4x1.3x1.2x0.9x0.9x-0.6x
Capital
Tier 1 Leverage Ratio8.00%8.34%8.36%8.46%8.51%8.57%8.75%8.84%+38 bps
Total Risk-Based Capital10.28%10.70%10.69%10.62%10.75%10.85%10.90%11.04%+41 bps
Equity / Assets7.28%7.91%8.01%8.03%8.25%8.41%8.68%8.78%+75 bps
Liquidity & Funding
Loans / Deposits122.47%119.47%119.82%120.59%118.40%117.16%116.78%119.99%-60 bps
Liquid Assets / Assets0.21%0.24%0.26%0.27%0.31%0.20%0.30%0.29%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

Jersey Shore State Bank

Jersey Shore, PA · Cert 14359 · Peer group: banks $1B-$10B in assets operating in a single state (n=293-294)

FDIC · 17 branches

Q2 2025

$1.6BAssets
$1.4BLoans
$1.1BDeposits
$141.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 67% of banks $1B-$10B in assets operating in a single state (rank 97 of 294).
  • Widest gap: total risk-based capital ratio trails 87% of banks $1B-$10B in assets operating in a single state (rank 255 of 294).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.09%

Rank 121 of 294

Net Interest Margin

2.63%

Rank 243 of 294

Efficiency Ratio

64.70%

Rank 155 of 294

Equity / Assets

8.78%

Rank 214 of 294

Non-interest income vs. expense

$6.8M$31.8MINCOMEEXPENSE
Unfavorable gap of $25.0M · efficiency ratio beats 48% of banks $1B-$10B in assets operating in a single state
Bank 64.70%Peer median 64.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.09%0.71%1.01%1.33%Beats 59%121 / 294
Return on Equity12.47%7.12%10.17%13.39%Beats 67%97 / 294
Net Interest Margin2.63%2.80%3.21%3.64%Beats 17%243 / 294
Efficiency Ratio64.70%54.67%64.12%72.80%Beats 48%155 / 294
Asset Quality
Nonperforming Loans / Loans0.70%0.17%0.37%0.77%Beats 29%210 / 293
Net Charge-Offs / Loans0.05%0.00%0.02%0.08%Beats 31%202 / 293
Capital
Tier 1 Capital Ratio10.38%11.38%13.26%15.22%Beats 13%257 / 294
Total Risk-Based Capital Ratio11.04%12.19%14.15%16.19%Beats 13%255 / 294
Equity / Assets8.78%8.62%9.85%11.42%Beats 27%214 / 294
Liquidity & Funding
Loans / Deposits119.99%73.60%87.33%96.66%96th pctl11 / 294
Loans / Assets83.98%64.16%72.85%80.20%88th pctl36 / 293
Brokered Deposits / Depositsn/aNot reported for this institution