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Presence Bank

Coatesville, PA · Cert 30085

FDIC · 4 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, 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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31 to 35). 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

18

Q2 2024Q4 2025peer median (50)

Asset Quality

39

Q2 2024Q4 2025peer median (50)

Profitability

14

Q2 2024Q4 2025peer median (50)

Liquidity

27

Q2 2024Q4 2025peer median

Efficiency

11

Q2 2024Q4 2025peer 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

Presence Bank

Coatesville, PA · Cert 30085

FDIC · 4 branches

Q4 2025

$456.0MAssets
$356.0MLoans
$359.0MDeposits
$42.7MEquity
Loan mix
95%RE $338.1M5%C&I $16.1M0%Consumer $0.2MQ4 2024Q4 2025
Deposit mix
93%Interest-bearing $332.1M7%Noninterest $26.9MQ4 2024Q4 2025

NIM

4.74%Q4 ’235.24%Q4 ’245.35%Q4 ’25-14%+16%

Non-interest income vs. expense

2.20%Q4 ’232.10%Q4 ’243.15%Q4 ’25-10%+67%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2025 SOD (annual) · 0.0% share · #52 of 88 inst. · $0.2B of $648.1B

1.5% Chester
0.7% Lancaster

Executive Summary

  • Earnings: ROA of -0.13%, down 62 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.24% of loans (-8 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 9.18%, down 42 bps from a year ago.
  • Funding: loans stand at 99.18% of deposits as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.13%-62 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+38 bps YoY

Efficiency Ratio (YTD, annualized)

107.02%+2,985 bps YoY

Tier 1 Leverage Ratio

9.18%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.50%0.52%0.60%0.68%-0.13%-62 bps
Return on Equity5.46%5.52%6.32%7.08%-1.35%-681 bps
Net Interest Margin2.43%2.73%2.69%2.79%2.81%+38 bps
Efficiency Ratio77.17%75.60%73.24%70.90%107.02%+2,985 bps
Non-Interest Burden1.81%2.01%1.91%1.91%3.02%+121 bps
Growth
Asset Growth (YoY)3.00%3.92%3.36%0.83%1.98%-101 bps
Loan Growth (YoY)7.14%3.96%3.87%2.30%1.97%-517 bps
Deposit Growth (YoY)6.38%5.52%4.74%0.07%1.35%-502 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.31%0.25%0.25%0.24%-8 bps
Net Charge-Offs / Loans0.06%-0.03%-0.03%-0.02%-0.03%-9 bps
Allowance / Loans1.25%1.27%1.26%1.26%1.25%0 bps
Allowance Coverage of NPLs3.9x4.1x5.0x5.1x5.2x+1.4x
Capital
Tier 1 Leverage Ratio9.60%9.71%9.46%9.78%9.18%-42 bps
Total Risk-Based Capital13.50%13.48%13.39%13.84%12.96%-54 bps
Equity / Assets9.45%9.31%9.55%9.99%9.35%-9 bps
Liquidity & Funding
Loans / Deposits98.58%95.51%98.46%100.43%99.18%+60 bps
Liquid Assets / Assets6.89%9.39%8.30%10.11%8.32%+143 bps
CRE / Total Capitaln/an/an/a511%550%n/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

Presence Bank

Coatesville, PA · Cert 30085 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=31-35)

FDIC · 4 branches

Q4 2025

$456.0MAssets
$356.0MLoans
$359.0MDeposits
$42.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 39% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 20 of 31).
  • Widest gap: return on equity trails 91% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 32 of 35).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-0.13%

Rank 32 of 35

Net Interest Margin

2.81%

Rank 27 of 35

Efficiency Ratio

107.02%

Rank 32 of 35

Equity / Assets

9.35%

Rank 26 of 35

Non-interest income vs. expense

$0.6M$14.5MINCOMEEXPENSE
Unfavorable gap of $13.9M · efficiency ratio beats 11% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 107.02%Peer median 71.4%Q2 2024Q4 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.13%0.30%0.84%1.48%Beats 9%32 / 35
Return on Equity-1.37%2.99%5.01%11.91%Beats 9%32 / 35
Net Interest Margin2.81%2.81%3.16%3.48%Beats 23%27 / 35
Efficiency Ratio107.02%56.98%71.38%88.17%Beats 11%32 / 35
Asset Quality
Nonperforming Loans / Loans0.24%0.00%0.19%0.90%Beats 39%20 / 31
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.72%12.92%18.93%34.69%Beats 11%31 / 35
Total Risk-Based Capital Ratio12.96%13.83%20.18%35.18%Beats 17%29 / 35
Equity / Assets9.35%9.35%11.63%18.66%Beats 26%26 / 35
Liquidity & Funding
Loans / Deposits99.18%69.97%86.01%99.72%71st pctl9 / 31
Loans / Assets78.08%61.12%72.08%80.57%65th pctl11 / 31
Brokered Deposits / Deposits3.12%n/an/a1.37%Beats 17%30 / 35