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MCS Bank

Milroy, PA · Cert 28186

SI · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets operating in a single state (n=743 to 746). 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

39

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

28

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

MCS Bank

Milroy, PA · Cert 28186

SI · FDIC · 7 branches

Q2 2026

$224.7MAssets
$185.8MLoans
$196.1MDeposits
$26.4MEquity
Loan mix
88%RE $158.0M9%C&I $15.5M4%Consumer $6.7MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $158.8M19%Noninterest $37.3MQ2 2025Q2 2026

NIM

4.69%Q2 ’245.16%Q2 ’255.37%Q2 ’26+11%+10%

Non-interest income vs. expense

3.47%Q2 ’243.67%Q2 ’253.86%Q2 ’26-7%+16%

Executive Summary

  • Earnings: ROA of 0.87%, up 16 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.36% of loans (-37 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 11.69%, unchanged from a year ago.
  • Funding: loans stand at 94.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+16 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+39 bps YoY

Efficiency Ratio (YTD, annualized)

73.32%+90 bps YoY

Tier 1 Leverage Ratio

11.69%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.71%0.82%0.80%0.76%0.87%+16 bps
Return on Equity6.20%7.03%6.89%6.48%7.42%+122 bps
Net Interest Margin3.75%3.85%3.85%4.15%4.14%+39 bps
Efficiency Ratio72.42%70.73%72.70%74.53%73.32%+90 bps
Non-Interest Burden2.40%2.42%2.53%2.86%2.78%+38 bps
Growth
Asset Growth (YoY)1.78%0.62%2.91%7.06%7.54%+576 bps
Loan Growth (YoY)3.95%6.04%6.13%8.76%7.94%+399 bps
Deposit Growth (YoY)0.44%-1.15%-0.28%3.91%8.49%+805 bps
Asset Quality
Nonperforming Loans / Loans0.73%0.48%0.55%0.47%0.36%-37 bps
Net Charge-Offs / Loans0.27%0.21%0.25%0.09%0.04%-23 bps
Allowance / Loans1.20%1.22%1.13%1.16%1.20%0 bps
Allowance Coverage of NPLs1.6x2.6x2.0x2.5x3.4x+1.7x
Capital
Tier 1 Leverage Ratio11.69%11.80%11.79%11.76%11.69%0 bps
Total Risk-Based Capital11.69%11.80%11.79%11.76%11.69%0 bps
Equity / Assets11.66%11.98%11.96%11.57%11.76%+10 bps
Liquidity & Funding
Loans / Deposits95.28%98.75%100.18%97.55%94.80%-48 bps
Liquid Assets / Assets4.90%2.76%3.45%5.91%6.50%+161 bps
CRE / Total Capitaln/a226%223%226%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

MCS Bank

Milroy, PA · Cert 28186 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 7 branches

Q2 2026

$224.7MAssets
$185.8MLoans
$196.1MDeposits
$26.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 74% of banks under $1B in assets operating in a single state (rank 194 of 746).
  • Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets operating in a single state (rank 603 of 743).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.86%

Rank 482 of 746

Net Interest Margin

4.14%

Rank 194 of 746

Efficiency Ratio

74.17%

Rank 541 of 746

Equity / Assets

11.76%

Rank 254 of 746

Non-interest income vs. expense

$2.4M$8.7MINCOMEEXPENSE
Unfavorable gap of $6.3M · efficiency ratio beats 28% of banks under $1B in assets operating in a single state
Bank 74.17%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.86%0.72%1.06%1.45%Beats 35%482 / 746
Return on Equity7.28%6.74%10.51%13.63%Beats 29%529 / 746
Net Interest Margin4.14%3.17%3.68%4.16%Beats 74%194 / 746
Efficiency Ratio74.17%55.74%64.58%75.47%Beats 28%541 / 746
Asset Quality
Nonperforming Loans / Loans0.36%0.09%0.42%1.07%Beats 56%330 / 743
Net Charge-Offs / Loans0.07%0.00%0.01%0.05%Beats 19%603 / 743
Capital
Tier 1 Capital Ratio11.69%11.55%13.75%17.60%Beats 26%549 / 746
Total Risk-Based Capital Ratio11.69%11.71%14.33%18.43%Beats 25%563 / 746
Equity / Assets11.76%8.90%10.51%13.06%Beats 66%254 / 746
Liquidity & Funding
Loans / Deposits94.80%61.31%78.27%90.78%83rd pctl124 / 746
Loans / Assets82.71%53.60%66.97%76.08%91st pctl67 / 746
Brokered Deposits / Depositsn/aNot reported for this institution