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Huntingdon Savings Bank

Huntingdon, PA · Cert 30031

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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

7

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

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

Huntingdon Savings Bank

Huntingdon, PA · Cert 30031

SI · FDIC · 1 branch

Q2 2026

$17.9MAssets
$14.3MLoans
$13.8MDeposits
$4.0MEquity
Loan mix
100%RE $13.8M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $13.8M0%Noninterest $0.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.29%, up 18 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 3.58% of loans (+308 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.67%, up 47 bps from a year ago.
  • Funding: loans stand at 103.64% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.29%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.44%+25 bps YoY

Efficiency Ratio (YTD, annualized)

82.73%-1,024 bps YoY

Tier 1 Leverage Ratio

22.67%+47 bps YoY

NIM

4.82%Q2 ’244.65%Q2 ’254.66%Q2 ’26-14%+12%

Non-interest income vs. expense

2.39%Q2 ’242.07%Q2 ’252.05%Q2 ’26-14%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.14%0.18%0.11%0.14%0.21%0.39%0.29%+18 bps
Return on Equity0.30%0.61%0.81%0.50%0.64%0.96%1.70%1.30%+79 bps
Net Interest Margin2.38%2.27%2.13%2.19%2.24%2.28%2.49%2.44%+25 bps
Efficiency Ratio95.53%92.10%88.54%92.96%91.75%87.47%77.48%82.73%-1,024 bps
Non-Interest Burden2.27%2.09%1.88%2.04%2.05%1.99%1.92%2.02%-2 bps
Growth
Asset Growth (YoY)8.18%5.10%2.89%6.78%1.06%-0.49%-0.78%-0.38%-716 bps
Loan Growth (YoY)-2.30%-2.62%-6.42%-5.94%-1.01%-1.40%1.60%5.42%+1,136 bps
Deposit Growth (YoY)10.61%6.88%3.54%8.61%0.90%-1.05%-1.53%-1.01%-962 bps
Asset Quality
Nonperforming Loans / Loans0.81%1.38%1.09%0.50%2.26%0.80%0.49%3.58%+308 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.68%0.67%0.69%0.69%0.69%0.68%0.68%0.66%-4 bps
Allowance Coverage of NPLs0.8x0.5x0.6x1.4x0.3x0.8x1.4x0.2x-1.2x
Capital
Tier 1 Leverage Ratio22.82%22.57%22.44%22.20%22.42%22.75%22.92%22.67%+47 bps
Total Risk-Based Capital50.16%48.97%49.67%49.68%49.14%50.07%51.43%48.45%-122 bps
Equity / Assets22.50%22.56%22.31%22.10%22.45%22.89%22.76%22.49%+39 bps
Liquidity & Funding
Loans / Deposits101.94%103.50%98.64%97.32%100.01%103.14%101.77%103.64%+632 bps
Liquid Assets / Assets16.81%15.84%19.31%20.26%18.37%16.55%17.44%14.27%-599 bps
CRE / Total Capitaln/an/an/an/a12.97%12.78%14.00%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

Huntingdon Savings Bank

Huntingdon, PA · Cert 30031 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 1 branch

Q2 2026

$17.9MAssets
$14.3MLoans
$13.8MDeposits
$4.0MEquity

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: nonperforming loans / loans trails 96% of banks under $1B in assets operating in a single state (rank 717 of 743).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.29%

Rank 674 of 746

Net Interest Margin

2.44%

Rank 706 of 746

Efficiency Ratio

82.73%

Rank 644 of 746

Equity / Assets

22.49%

Rank 25 of 746

Non-interest income vs. expense

$6K$364KINCOMEEXPENSE
Unfavorable gap of $358K · efficiency ratio beats 14% of banks under $1B in assets operating in a single state
Bank 82.73%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.29%0.72%1.06%1.45%Beats 10%674 / 746
Return on Equity1.29%6.74%10.51%13.63%Beats 6%701 / 746
Net Interest Margin2.44%3.17%3.68%4.16%Beats 5%706 / 746
Efficiency Ratio82.73%55.74%64.58%75.47%Beats 14%644 / 746
Asset Quality
Nonperforming Loans / Loans3.58%0.09%0.42%1.07%Beats 4%717 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio47.35%11.55%13.75%17.60%Beats 99%11 / 746
Total Risk-Based Capital Ratio48.45%11.71%14.33%18.43%Beats 99%11 / 746
Equity / Assets22.49%8.90%10.51%13.06%Beats 97%25 / 746
Liquidity & Funding
Loans / Deposits103.64%61.31%78.27%90.78%93rd pctl50 / 746
Loans / Assets79.93%53.60%66.97%76.08%85th pctl109 / 746
Brokered Deposits / Depositsn/aNot reported for this institution