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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

3.55%Q2 ’243.91%Q2 ’254.02%Q2 ’26+10%+4%

Non-interest income vs. expense

2.72%Q2 ’242.63%Q2 ’252.61%Q2 ’26-4%-1%

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 0.55%, up 4 bps year over year; NIM at 2.86%.
  • 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 (quarter, annualized)

0.55%+4 bps YoY

Net Interest Margin (quarter, annualized)

2.86%+10 bps YoY

Efficiency Ratio (quarter, annualized)

76.89%-249 bps YoY

Tier 1 Leverage Ratio

13.48%-23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.49%0.36%0.39%0.55%+4 bps
Return on Equity4.30%3.98%2.87%3.10%4.53%+23 bps
Net Interest Margin2.76%2.78%2.76%2.77%2.86%+10 bps
Efficiency Ratio79.39%80.54%85.78%85.24%76.89%-249 bps
Non-Interest Burden2.11%2.17%2.32%2.31%2.10%-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 / Loans0.08%0.03%0.14%0.00%0.01%-7 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