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Penn Community Bank

Doylestown, PA · Cert 30401 · Penn Cmty Mutual Holdings Inc.

SI · FDIC · 22 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

75

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

20

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

Penn Community Bank

Doylestown, PA · Cert 30401 · Penn Cmty Mutual Holdings Inc.

SI · FDIC · 22 branches

Q2 2026

$3.1BAssets
$2.2BLoans
$2.5BDeposits
$335.9MEquity
Loan mix
93%RE $2.0B6%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $2.1B13%Noninterest $0.3BQ2 2025Q2 2026

NIM

4.28%Q2 ’244.33%Q2 ’254.47%Q2 ’26+4%+21%

Non-interest income vs. expense

1.92%Q2 ’241.93%Q2 ’252.03%Q2 ’26-1%+7%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.3% share · #18 of 88 inst. · $2.4B of $685.1B

8.6% Bucks
0.4% Montgomery
0.7% Lehigh

Executive Summary

  • Earnings: ROA of 0.58%, up 30 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.56% of loans (+42 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.68%, up 23 bps from a year ago.
  • Funding: loans stand at 90.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+30 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+43 bps YoY

Efficiency Ratio (YTD, annualized)

72.57%-841 bps YoY

Tier 1 Leverage Ratio

12.68%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.32%0.39%0.62%0.58%+30 bps
Return on Equity2.77%3.08%3.77%5.68%5.31%+255 bps
Net Interest Margin2.08%2.14%2.24%2.47%2.51%+43 bps
Efficiency Ratio80.98%77.08%77.47%72.09%72.57%-841 bps
Non-Interest Burden1.63%1.58%1.66%1.69%1.74%+12 bps
Growth
Asset Growth (YoY)0.90%1.97%3.25%4.24%2.44%+153 bps
Loan Growth (YoY)7.16%12.74%10.14%7.85%7.38%+22 bps
Deposit Growth (YoY)7.32%5.14%4.91%5.42%2.24%-507 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.56%0.49%0.52%0.56%+42 bps
Net Charge-Offs / Loans0.00%0.01%0.04%0.06%0.03%+3 bps
Allowance / Loans0.93%1.00%0.96%0.94%0.94%+1 bps
Allowance Coverage of NPLs6.6x1.8x2.0x1.8x1.7x-4.9x
Capital
Tier 1 Leverage Ratio12.45%12.26%12.46%12.64%12.68%+23 bps
Total Risk-Based Capital17.82%17.06%17.57%17.48%17.19%-64 bps
Equity / Assets10.29%10.63%10.83%10.97%10.94%+65 bps
Liquidity & Funding
Loans / Deposits85.99%91.05%87.32%88.59%90.31%+432 bps
Liquid Assets / Assets6.28%3.36%6.36%5.21%4.82%-146 bps
CRE / Total Capitaln/a303%285%287%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

Penn Community Bank

Doylestown, PA · Cert 30401 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Penn Cmty Mutual Holdings Inc.

SI · FDIC · 22 branches

Q2 2026

$3.1BAssets
$2.2BLoans
$2.5BDeposits
$335.9MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 82% of banks $1B-$10B in assets operating in a single state (rank 46 of 258).
  • Widest gap: net interest margin trails 93% of banks $1B-$10B in assets operating in a single state (rank 241 of 258).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.57%

Rank 234 of 258

Net Interest Margin

2.51%

Rank 241 of 258

Efficiency Ratio

72.57%

Rank 207 of 257

Equity / Assets

10.94%

Rank 98 of 258

Non-interest income vs. expense

$8.9M$63.1MINCOMEEXPENSE
Unfavorable gap of $54.3M · efficiency ratio beats 20% of banks $1B-$10B in assets operating in a single state
Bank 72.57%Peer median 60.3%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.57%0.93%1.23%1.54%Beats 9%234 / 258
Return on Equity5.25%9.26%11.84%14.74%Beats 7%240 / 258
Net Interest Margin2.51%3.16%3.49%3.88%Beats 7%241 / 258
Efficiency Ratio72.57%51.71%60.30%69.65%Beats 20%207 / 257
Asset Quality
Nonperforming Loans / Loans0.56%0.19%0.46%0.90%Beats 38%161 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 56%115 / 258
Capital
Tier 1 Capital Ratio16.17%11.41%12.98%15.12%Beats 81%48 / 258
Total Risk-Based Capital Ratio17.19%12.10%13.91%16.08%Beats 82%46 / 258
Equity / Assets10.94%9.09%10.24%11.72%Beats 62%98 / 258
Liquidity & Funding
Loans / Deposits90.31%73.24%86.34%95.95%60th pctl102 / 258
Loans / Assets72.52%63.01%72.27%78.40%51st pctl126 / 258
Brokered Deposits / Depositsn/aNot reported for this institution