Penncrest Bank

Altoona, PA · Cert 30119

SI · FDIC · 8 branches

Q2 2026

$247.1MAssets

$156.4MLoans

$210.0MDeposits

$30.2MEquity

Loan mix

Deposit mix

NIM

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

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.38%	0.42%	0.40%	0.39%	0.47%	+9 bps
Return on Equity	3.17%	3.44%	3.29%	3.10%	3.81%	+63 bps
Net Interest Margin	2.63%	2.68%	2.69%	2.77%	2.78%	+14 bps
Efficiency Ratio	84.81%	83.34%	83.96%	85.24%	80.93%	-388 bps
Non-Interest Burden	2.18%	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 / Loans	0.45%	0.44%	0.47%	0.48%	0.50%	+5 bps
Net Charge-Offs / Loans	0.06%	0.05%	0.07%	0.00%	0.01%	-5 bps
Allowance / Loans	0.19%	0.18%	0.14%	0.14%	0.17%	-2 bps
Allowance Coverage of NPLs	0.4x	0.4x	0.3x	0.3x	0.3x	-0.1x
Capital
Tier 1 Leverage Ratio	13.71%	13.82%	13.85%	13.72%	13.48%	-23 bps
Total Risk-Based Capital	13.71%	13.82%	13.85%	13.72%	13.48%	-23 bps
Equity / Assets	12.02%	12.53%	12.63%	12.22%	12.20%	+18 bps
Liquidity & Funding
Loans / Deposits	76.02%	76.19%	76.95%	74.22%	74.48%	-154 bps
Liquid Assets / Assets	2.24%	2.86%	2.58%	2.62%	2.50%	+25 bps
CRE / Total Capital	n/a	19.95%	20.89%	23.07%	n/a	n/a