PackageTrendsPeer
Letter portraitLegal landscape

Brentwood Bank

Bethel Park, PA · Cert 27943 · Mutual Holding Co. of W PA

SI · FDIC · 14 branches

Q2 2026

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 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

14

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

2

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

1

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

Brentwood Bank

Bethel Park, PA · Cert 27943 · Mutual Holding Co. of W PA

SI · FDIC · 14 branches

Q2 2026

$1.0BAssets
$787.9MLoans
$736.7MDeposits
$99.2MEquity
Loan mix
93%RE $717.9M6%C&I $50.0M1%Consumer $6.9MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $647.8M12%Noninterest $88.9MQ2 2025Q2 2026

NIM

4.49%Q2 ’244.64%Q2 ’254.68%Q2 ’26-1%+11%

Non-interest income vs. expense

2.60%Q2 ’242.22%Q2 ’252.44%Q2 ’26-24%+15%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.4% share · #17 of 48 inst. · $0.7B of $209.3B

0.4% Allegheny
0.8% Beaver

Executive Summary

  • Earnings: ROA of 0.10%, down 2 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.75% of loans (+17 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 9.75%, down 3 bps from a year ago.
  • Funding: loans stand at 106.95% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.10%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.29%+24 bps YoY

Efficiency Ratio (YTD, annualized)

94.30%+242 bps YoY

Tier 1 Leverage Ratio

9.75%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.11%0.06%0.10%0.10%-2 bps
Return on Equity1.23%1.21%0.64%1.01%1.05%-19 bps
Net Interest Margin2.05%2.06%2.12%2.23%2.29%+24 bps
Efficiency Ratio91.87%93.08%92.41%95.57%94.30%+242 bps
Non-Interest Burden1.85%1.89%1.93%2.10%2.13%+29 bps
Growth
Asset Growth (YoY)3.47%3.28%0.34%4.63%0.70%-277 bps
Loan Growth (YoY)1.34%1.19%-0.44%0.72%2.18%+83 bps
Deposit Growth (YoY)6.97%8.14%7.50%3.74%-1.04%-801 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.81%1.07%1.07%0.75%+17 bps
Net Charge-Offs / Loans0.12%0.10%0.09%0.46%0.23%+11 bps
Allowance / Loans0.61%0.60%0.71%0.59%0.59%-2 bps
Allowance Coverage of NPLs1.0x0.7x0.7x0.5x0.8x-0.3x
Capital
Tier 1 Leverage Ratio9.79%9.68%9.73%9.77%9.75%-3 bps
Total Risk-Based Capital9.79%9.68%9.73%9.77%9.75%-3 bps
Equity / Assets9.30%9.47%9.65%9.49%9.48%+18 bps
Liquidity & Funding
Loans / Deposits103.58%102.53%103.44%106.83%106.95%+336 bps
Liquid Assets / Assets5.62%3.96%2.60%2.86%3.53%-210 bps
CRE / Total Capitaln/a438%435%441%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

Brentwood Bank

Bethel Park, PA · Cert 27943 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Mutual Holding Co. of W PA

SI · FDIC · 14 branches

Q2 2026

$1.0BAssets
$787.9MLoans
$736.7MDeposits
$99.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 33% of banks $1B-$10B in assets operating in a single state (rank 173 of 258).
  • Widest gap: efficiency ratio trails 99% of banks $1B-$10B in assets operating in a single state (rank 256 of 257).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.10%

Rank 256 of 258

Net Interest Margin

2.29%

Rank 249 of 258

Efficiency Ratio

94.30%

Rank 256 of 257

Equity / Assets

9.48%

Rank 173 of 258

Non-interest income vs. expense

$3.2M$25.7MINCOMEEXPENSE
Unfavorable gap of $22.5M · efficiency ratio beats 1% of banks $1B-$10B in assets operating in a single state
Bank 94.30%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.10%0.93%1.23%1.54%Beats 1%256 / 258
Return on Equity1.04%9.26%11.84%14.74%Beats 2%254 / 258
Net Interest Margin2.29%3.16%3.49%3.88%Beats 3%249 / 258
Efficiency Ratio94.30%51.71%60.30%69.65%Beats 1%256 / 257
Asset Quality
Nonperforming Loans / Loans0.75%0.19%0.46%0.90%Beats 29%183 / 258
Net Charge-Offs / Loans0.11%0.01%0.02%0.07%Beats 19%210 / 258
Capital
Tier 1 Capital Ratio9.75%11.41%12.98%15.12%Beats 5%245 / 258
Total Risk-Based Capital Ratio9.75%12.10%13.91%16.08%Beats 5%245 / 258
Equity / Assets9.48%9.09%10.24%11.72%Beats 33%173 / 258
Liquidity & Funding
Loans / Deposits106.95%73.24%86.34%95.95%92nd pctl21 / 258
Loans / Assets75.30%63.01%72.27%78.40%60th pctl102 / 258
Brokered Deposits / Depositsn/aNot reported for this institution