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Penncrest Bank

Altoona, PA · Cert 30119

SI · FDIC · 8 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

53

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

88

Q2 2024Q2 2026peer median

Efficiency

15

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

Penncrest Bank

Altoona, PA · Cert 30119

SI · FDIC · 8 branches

Q2 2026

$247.1MAssets
$156.4MLoans
$210.0MDeposits
$30.2MEquity
Loan mix
92%RE $141.4M0%C&I $0.3M8%Consumer $11.8MQ2 2025Q2 2026
Deposit mix
71%Interest-bearing $149.9M29%Noninterest $60.2MQ2 2025Q2 2026

NIM

3.49%Q2 ’243.76%Q2 ’253.92%Q2 ’26+6%+5%

Non-interest income vs. expense

2.71%Q2 ’242.69%Q2 ’252.67%Q2 ’26-2%0%

Market Position · Johnstown, PA · 2026 SOD (annual) · 3.0% share · #7 of 13 inst. · $0.1B of $4.1B

3.0% Cambria
2.1% Blair

Executive Summary

  • Earnings: ROA of 0.47%, up 9 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.50% of loans (+5 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.48%, down 23 bps from a year ago.
  • Funding: loans stand at 74.48% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%+9 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+14 bps YoY

Efficiency Ratio (YTD, annualized)

80.93%-388 bps YoY

Tier 1 Leverage Ratio

13.48%-23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.42%0.40%0.39%0.47%+9 bps
Return on Equity3.17%3.44%3.29%3.10%3.81%+63 bps
Net Interest Margin2.63%2.68%2.69%2.77%2.78%+14 bps
Efficiency Ratio84.81%83.34%83.96%85.24%80.93%-388 bps
Non-Interest Burden2.18%2.18%2.20%2.31%2.17%-1 bps
Growth
Asset Growth (YoY)4.73%5.97%5.74%4.52%5.56%+83 bps
Loan Growth (YoY)2.17%1.54%1.75%1.91%3.17%+100 bps
Deposit Growth (YoY)5.80%6.89%3.95%4.75%5.30%-50 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.44%0.47%0.48%0.50%+5 bps
Net Charge-Offs / Loans0.06%0.05%0.07%0.00%0.01%-5 bps
Allowance / Loans0.19%0.18%0.14%0.14%0.17%-2 bps
Allowance Coverage of NPLs0.4x0.4x0.3x0.3x0.3x-0.1x
Capital
Tier 1 Leverage Ratio13.71%13.82%13.85%13.72%13.48%-23 bps
Total Risk-Based Capital13.71%13.82%13.85%13.72%13.48%-23 bps
Equity / Assets12.02%12.53%12.63%12.22%12.20%+18 bps
Liquidity & Funding
Loans / Deposits76.02%76.19%76.95%74.22%74.48%-154 bps
Liquid Assets / Assets2.24%2.86%2.58%2.62%2.50%+25 bps
CRE / Total Capitaln/a19.95%20.89%23.07%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

Penncrest Bank

Altoona, PA · Cert 30119 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 8 branches

Q2 2026

$247.1MAssets
$156.4MLoans
$210.0MDeposits
$30.2MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 69% of banks under $1B in assets operating in a single state (rank 229 of 746).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets operating in a single state (rank 667 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.46%

Rank 638 of 746

Net Interest Margin

2.78%

Rank 667 of 746

Efficiency Ratio

81.56%

Rank 635 of 746

Equity / Assets

12.20%

Rank 229 of 746

Non-interest income vs. expense

$1.2M$6.7MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 15% of banks under $1B in assets operating in a single state
Bank 81.56%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.46%0.72%1.06%1.45%Beats 14%638 / 746
Return on Equity3.79%6.74%10.51%13.63%Beats 13%647 / 746
Net Interest Margin2.78%3.17%3.68%4.16%Beats 11%667 / 746
Efficiency Ratio81.56%55.74%64.58%75.47%Beats 15%635 / 746
Asset Quality
Nonperforming Loans / Loans0.50%0.09%0.42%1.07%Beats 45%408 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 49%382 / 743
Capital
Tier 1 Capital Ratio13.48%11.55%13.75%17.60%Beats 47%398 / 746
Total Risk-Based Capital Ratio13.48%11.71%14.33%18.43%Beats 42%434 / 746
Equity / Assets12.20%8.90%10.51%13.06%Beats 69%229 / 746
Liquidity & Funding
Loans / Deposits74.48%61.31%78.27%90.78%44th pctl421 / 746
Loans / Assets63.30%53.60%66.97%76.08%41st pctl437 / 746
Brokered Deposits / Depositsn/aNot reported for this institution