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Armstrong County Building and Loan Association

Ford City, PA · Cert 29471

SI · FDIC · 1 branch

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

86

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

6

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

20

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

Armstrong County Building and Loan Association

Ford City, PA · Cert 29471

SI · FDIC · 1 branch

Q2 2026

$95.1MAssets
$66.0MLoans
$82.7MDeposits
$11.9MEquity
Loan mix
99%RE $63.6M0%C&I $0.0M1%Consumer $0.7MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $82.7M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

3.67%Q2 ’244.14%Q2 ’254.43%Q2 ’26+36%+58%

Non-interest income vs. expense

1.14%Q2 ’241.07%Q2 ’251.25%Q2 ’26-7%+19%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #39 of 48 inst. · $0.1B of $209.3B

Executive Summary

  • Earnings: ROA of 0.27%, up 24 bps year over year; NIM at 1.53%.
  • Asset quality: problem loans at 1.09% of loans (+2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.50%, up 29 bps from a year ago.
  • Funding: loans stand at 79.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.27%+24 bps YoY

Net Interest Margin (YTD, annualized)

1.53%+56 bps YoY

Efficiency Ratio (YTD, annualized)

78.73%-2,448 bps YoY

Tier 1 Leverage Ratio

12.50%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%10.10%0.07%0.13%0.27%+24 bps
Return on Equity0.22%0.83%0.61%1.08%2.14%+192 bps
Net Interest Margin0.97%1.06%1.10%1.44%1.53%+56 bps
Efficiency Ratio103.21%95.58%94.80%86.07%78.73%-2,448 bps
Non-Interest Burden1.00%1.01%1.04%1.24%1.19%+19 bps
Growth
Asset Growth (YoY)3.47%1.53%-2.19%-0.63%-0.99%-445 bps
Loan Growth (YoY)13.18%9.25%7.44%6.09%5.52%-765 bps
Deposit Growth (YoY)4.20%6.12%3.86%2.85%1.13%-306 bps
Asset Quality
Nonperforming Loans / Loans1.06%1.01%1.03%1.04%1.09%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.56%0.53%0.56%0.57%0.56%0 bps
Allowance Coverage of NPLs0.5x0.5x0.5x0.5x0.5x0.0x
Capital
Tier 1 Leverage Ratio12.20%12.19%12.27%12.37%12.50%+29 bps
Total Risk-Based Capital29.02%30.52%28.57%29.89%29.00%-2 bps
Equity / Assets12.25%12.16%12.38%12.33%12.57%+32 bps
Liquidity & Funding
Loans / Deposits76.48%78.37%77.47%76.47%79.80%+332 bps
Liquid Assets / Assets29.43%27.81%28.42%29.24%26.53%-290 bps
CRE / Total Capitaln/a26.89%22.60%25.20%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. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Armstrong County Building and Loan Association

Ford City, PA · Cert 29471 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 1 branch

Q2 2026

$95.1MAssets
$66.0MLoans
$82.7MDeposits
$11.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: net interest margin trails 99% of banks under $1B in assets operating in a single state (rank 739 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.27%

Rank 680 of 746

Net Interest Margin

1.53%

Rank 739 of 746

Efficiency Ratio

78.73%

Rank 601 of 746

Equity / Assets

12.57%

Rank 213 of 746

Non-interest income vs. expense

$0.1M$1.2MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 20% of banks under $1B in assets operating in a single state
Bank 78.73%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.27%0.72%1.06%1.45%Beats 9%680 / 746
Return on Equity2.13%6.74%10.51%13.63%Beats 9%680 / 746
Net Interest Margin1.53%3.17%3.68%4.16%Beats 1%739 / 746
Efficiency Ratio78.73%55.74%64.58%75.47%Beats 20%601 / 746
Asset Quality
Nonperforming Loans / Loans1.09%0.09%0.42%1.07%Beats 24%562 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio28.13%11.55%13.75%17.60%Beats 94%47 / 746
Total Risk-Based Capital Ratio29.00%11.71%14.33%18.43%Beats 94%48 / 746
Equity / Assets12.57%8.90%10.51%13.06%Beats 71%213 / 746
Liquidity & Funding
Loans / Deposits79.80%61.31%78.27%90.78%53rd pctl347 / 746
Loans / Assets69.42%53.60%66.97%76.08%56th pctl328 / 746
Brokered Deposits / Depositsn/aNot reported for this institution