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Newfield National Bank

Newfield, NJ · Cert 14646 · Newfield Bcorp Inc.

National charter · OCC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

87

Q2 2024Q2 2026peer median (50)

Profitability

44

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

42

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

Newfield National Bank

Newfield, NJ · Cert 14646 · Newfield Bcorp Inc.

National charter · OCC · 9 branches

Q2 2026

$889.1MAssets
$464.0MLoans
$784.6MDeposits
$68.8MEquity
Loan mix
95%RE $436.7M4%C&I $20.5M0%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $559.4M29%Noninterest $225.2MQ2 2025Q2 2026

NIM

3.73%Q2 ’243.72%Q2 ’253.88%Q2 ’26-3%+5%

Non-interest income vs. expense

2.14%Q2 ’242.19%Q2 ’252.35%Q2 ’26+3%+5%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #36 of 88 inst. · $0.5B of $685.1B

4.9% Gloucester
6.3% Cumberland

Executive Summary

  • Earnings: ROA of 0.73%, down 1 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 0.02% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.07%, up 39 bps from a year ago.
  • Funding: loans stand at 59.14% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+15 bps YoY

Efficiency Ratio (YTD, annualized)

73.46%+23 bps YoY

Tier 1 Leverage Ratio

10.07%+39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.76%0.81%0.86%0.73%-1 bps
Return on Equity11.66%11.71%12.09%11.46%9.64%-201 bps
Net Interest Margin2.78%2.81%2.85%2.88%2.93%+15 bps
Efficiency Ratio73.23%72.50%70.99%72.95%73.46%+23 bps
Non-Interest Burden1.98%1.98%1.96%2.01%2.08%+10 bps
Growth
Asset Growth (YoY)0.01%0.80%-0.27%1.32%2.03%+202 bps
Loan Growth (YoY)1.24%2.86%3.62%4.08%2.47%+122 bps
Deposit Growth (YoY)-2.56%0.68%-3.53%0.68%-1.50%+106 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.02%0.02%0.02%0.02%-5 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%-1 bps
Allowance / Loans1.35%1.34%1.35%1.35%1.33%-1 bps
Allowance Coverage of NPLs18.4x59.3x61.4x63.6x65.0x+46.6x
Capital
Tier 1 Leverage Ratio9.68%9.68%9.80%10.04%10.07%+39 bps
Total Risk-Based Capital19.88%19.69%20.18%20.16%19.93%+5 bps
Equity / Assets6.48%6.87%7.49%7.48%7.74%+126 bps
Liquidity & Funding
Loans / Deposits56.85%55.04%56.94%56.33%59.14%+229 bps
Liquid Assets / Assets0.03%0.19%0.03%0.02%0.08%+6 bps
CRE / Total Capitaln/a332%321%325%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

Newfield National Bank

Newfield, NJ · Cert 14646 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · Newfield Bcorp Inc.

National charter · OCC · 9 branches

Q2 2026

$889.1MAssets
$464.0MLoans
$784.6MDeposits
$68.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 16 of 27).
  • Widest gap: equity / assets trails 90% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 28 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.73%

Rank 20 of 31

Net Interest Margin

2.93%

Rank 20 of 31

Efficiency Ratio

73.46%

Rank 19 of 31

Equity / Assets

7.74%

Rank 28 of 31

Non-interest income vs. expense

$2.5M$21.8MINCOMEEXPENSE
Unfavorable gap of $19.4M · efficiency ratio beats 42% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 73.46%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%0.63%0.93%2.39%Beats 35%20 / 31
Return on Equity9.44%4.15%7.07%14.29%Beats 61%12 / 31
Net Interest Margin2.93%2.72%3.26%3.84%Beats 35%20 / 31
Efficiency Ratio73.46%49.04%63.83%80.34%Beats 42%19 / 31
Asset Quality
Nonperforming Loans / Loans0.02%0.00%0.24%1.22%Beats 74%8 / 27
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%16 / 27
Capital
Tier 1 Capital Ratio18.68%13.01%19.43%42.39%Beats 45%17 / 31
Total Risk-Based Capital Ratio19.93%13.95%20.55%43.38%Beats 45%17 / 31
Equity / Assets7.74%9.21%12.36%21.28%Beats 10%28 / 31
Liquidity & Funding
Loans / Deposits59.14%52.41%83.15%99.86%26th pctl23 / 31
Loans / Assets52.19%37.80%67.87%79.23%29th pctl22 / 31
Brokered Deposits / Depositsn/aNot reported for this institution