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

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.74%	0.76%	0.81%	0.86%	0.73%	-1 bps
Return on Equity	11.66%	11.71%	12.09%	11.46%	9.64%	-201 bps
Net Interest Margin	2.78%	2.81%	2.85%	2.88%	2.93%	+15 bps
Efficiency Ratio	73.23%	72.50%	70.99%	72.95%	73.46%	+23 bps
Non-Interest Burden	1.98%	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 / Loans	0.07%	0.02%	0.02%	0.02%	0.02%	-5 bps
Net Charge-Offs / Loans	0.00%	0.01%	0.00%	0.00%	0.00%	-1 bps
Allowance / Loans	1.35%	1.34%	1.35%	1.35%	1.33%	-1 bps
Allowance Coverage of NPLs	18.4x	59.3x	61.4x	63.6x	65.0x	+46.6x
Capital
Tier 1 Leverage Ratio	9.68%	9.68%	9.80%	10.04%	10.07%	+39 bps
Total Risk-Based Capital	19.88%	19.69%	20.18%	20.16%	19.93%	+5 bps
Equity / Assets	6.48%	6.87%	7.49%	7.48%	7.74%	+126 bps
Liquidity & Funding
Loans / Deposits	56.85%	55.04%	56.94%	56.33%	59.14%	+229 bps
Liquid Assets / Assets	0.03%	0.19%	0.03%	0.02%	0.08%	+6 bps
CRE / Total Capital	n/a	332%	321%	325%	n/a	n/a