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Greenville Savings Bank

Greenville, PA · Cert 30637

SI · FDIC · 3 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

41

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

Greenville Savings Bank

Greenville, PA · Cert 30637

SI · FDIC · 3 branches

Q2 2026

$342.7MAssets
$276.4MLoans
$256.4MDeposits
$44.1MEquity
Loan mix
96%RE $263.0M2%C&I $6.0M1%Consumer $4.1MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $233.1M9%Noninterest $23.3MQ2 2025Q2 2026

NIM

4.16%Q2 ’244.38%Q2 ’254.70%Q2 ’26+7%+24%

Non-interest income vs. expense

1.96%Q2 ’241.99%Q2 ’252.03%Q2 ’26+3%-4%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #44 of 48 inst. · $0.0B of $209.3B

7.8% Mercer
1.6% Lawrence

Executive Summary

  • Earnings: ROA of 0.72%, up 44 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.17% of loans (-15 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 12.84%, up 23 bps from a year ago.
  • Funding: loans stand at 107.80% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%+44 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+53 bps YoY

Efficiency Ratio (YTD, annualized)

68.42%-1,689 bps YoY

Tier 1 Leverage Ratio

12.84%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.33%0.40%0.58%0.72%+44 bps
Return on Equity2.21%2.66%3.18%4.63%5.68%+347 bps
Net Interest Margin2.19%2.25%2.27%2.64%2.72%+53 bps
Efficiency Ratio85.31%82.21%79.22%71.15%68.42%-1,689 bps
Non-Interest Burden1.85%1.82%1.77%1.82%1.78%-7 bps
Growth
Asset Growth (YoY)1.15%3.10%4.34%2.50%2.72%+157 bps
Loan Growth (YoY)2.91%6.11%5.81%5.95%5.69%+278 bps
Deposit Growth (YoY)6.65%2.11%2.85%1.49%-0.79%-744 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.12%0.17%0.23%0.17%-15 bps
Net Charge-Offs / Loans0.02%0.01%0.05%0.03%0.02%0 bps
Allowance / Loans0.65%0.65%0.62%0.63%0.61%-3 bps
Allowance Coverage of NPLs2.0x5.6x3.7x2.7x3.5x+1.5x
Capital
Tier 1 Leverage Ratio12.60%12.62%12.47%12.62%12.84%+23 bps
Total Risk-Based Capital12.60%12.62%12.47%12.62%12.84%+23 bps
Equity / Assets12.59%12.45%12.44%12.68%12.87%+28 bps
Liquidity & Funding
Loans / Deposits101.19%105.73%106.73%105.10%107.80%+661 bps
Liquid Assets / Assets16.46%16.00%16.10%15.62%14.80%-166 bps
CRE / Total Capitaln/a75.27%69.01%66.88%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

Greenville Savings Bank

Greenville, PA · Cert 30637 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

SI · FDIC · 3 branches

Q2 2026

$342.7MAssets
$276.4MLoans
$256.4MDeposits
$44.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 73% of banks under $1B in assets operating in a single state (rank 200 of 746).
  • Widest gap: net interest margin trails 91% of banks under $1B in assets operating in a single state (rank 678 of 746).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.72%

Rank 561 of 746

Net Interest Margin

2.72%

Rank 678 of 746

Efficiency Ratio

68.42%

Rank 440 of 746

Equity / Assets

12.87%

Rank 200 of 746

Non-interest income vs. expense

$0.8M$7.0MINCOMEEXPENSE
Unfavorable gap of $6.1M · efficiency ratio beats 41% of banks under $1B in assets operating in a single state
Bank 68.42%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.72%0.72%1.06%1.45%Beats 25%561 / 746
Return on Equity5.60%6.74%10.51%13.63%Beats 20%596 / 746
Net Interest Margin2.72%3.17%3.68%4.16%Beats 9%678 / 746
Efficiency Ratio68.42%55.74%64.58%75.47%Beats 41%440 / 746
Asset Quality
Nonperforming Loans / Loans0.17%0.09%0.42%1.07%Beats 69%235 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 45%412 / 743
Capital
Tier 1 Capital Ratio12.84%11.55%13.75%17.60%Beats 40%451 / 746
Total Risk-Based Capital Ratio12.84%11.71%14.33%18.43%Beats 35%485 / 746
Equity / Assets12.87%8.90%10.51%13.06%Beats 73%200 / 746
Liquidity & Funding
Loans / Deposits107.80%61.31%78.27%90.78%96th pctl33 / 746
Loans / Assets80.65%53.60%66.97%76.08%87th pctl98 / 746
Brokered Deposits / Depositsn/aNot reported for this institution