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Tioga-Franklin Savings Bank

Philadelphia, PA · Cert 33802

SI · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area3

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 in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). 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

0

Q2 2024Q2 2026peer median (50)

Asset Quality

6

Q2 2024Q2 2026peer median (50)

Profitability

10

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

3

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

Tioga-Franklin Savings Bank

Philadelphia, PA · Cert 33802

SI · FDIC · 1 branch

Q2 2026

$68.4MAssets
$56.9MLoans
$66.6MDeposits
$1.4MEquity
Loan mix
77%RE $45.2M23%C&I $13.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
98%Interest-bearing $65.0M2%Noninterest $1.6MQ2 2025Q2 2026

NIM

7.01%Q2 ’246.38%Q2 ’256.18%Q2 ’26-10%-2%

Non-interest income vs. expense

6.68%Q2 ’246.30%Q2 ’256.32%Q2 ’26+23%-3%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #68 of 88 inst. · $0.1B of $685.1B

Executive Summary

  • Earnings: ROA of -3.34%, down 118 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 9.23% of loans (+195 bps YoY), with net charge-offs at 0.94%.
  • Capital: tier 1 leverage ratio of 2.06%, down 194 bps from a year ago.
  • Funding: loans stand at 85.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.34%-118 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-7 bps YoY

Efficiency Ratio (YTD, annualized)

188.70%-908 bps YoY

Tier 1 Leverage Ratio

2.06%-194 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.16%-0.87%-2.63%-5.01%-3.34%-118 bps
Return on Equity-36.62%-14.90%-48.69%-139.62%-108.49%-7,187 bps
Net Interest Margin2.89%2.73%2.76%2.94%2.82%-7 bps
Efficiency Ratio197.78%121.30%132.90%213%188.70%-908 bps
Non-Interest Burden5.95%3.74%4.23%6.78%5.79%-16 bps
Growth
Asset Growth (YoY)-7.86%-1.13%-0.78%1.66%5.19%+1,304 bps
Loan Growth (YoY)-1.97%3.40%7.42%8.92%4.93%+689 bps
Deposit Growth (YoY)-4.11%1.91%4.10%5.79%9.54%+1,365 bps
Asset Quality
Nonperforming Loans / Loans7.28%7.54%7.79%6.91%9.23%+195 bps
Net Charge-Offs / Loans0.00%0.00%0.00%1.83%0.94%+94 bps
Allowance / Loans2.21%2.15%1.98%1.37%1.26%-95 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.2x0.1x-0.2x
Capital
Tier 1 Leverage Ratio4.00%4.36%3.63%2.41%2.06%-194 bps
Total Risk-Based Capital7.12%7.59%6.59%4.72%4.14%-298 bps
Equity / Assets5.62%5.56%3.73%2.50%2.04%-358 bps
Liquidity & Funding
Loans / Deposits89.20%84.48%86.01%88.60%85.44%-376 bps
Liquid Assets / Assets10.25%10.37%8.18%4.83%7.42%-283 bps
CRE / Total Capitaln/a708%825%1256%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

Tioga-Franklin Savings Bank

Philadelphia, PA · Cert 33802 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31)

SI · FDIC · 1 branch

Q2 2026

$68.4MAssets
$56.9MLoans
$66.6MDeposits
$1.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 29% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 22 of 31).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 31 of 31).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-3.38%

Rank 31 of 31

Net Interest Margin

2.82%

Rank 22 of 31

Efficiency Ratio

188.70%

Rank 31 of 31

Equity / Assets

2.04%

Rank 31 of 31

Non-interest income vs. expense

$0.4M$4.3MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 3% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 188.70%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-3.38%0.63%0.93%2.39%Beats 0%31 / 31
Return on Equity-165.64%4.15%7.07%14.29%Beats 0%31 / 31
Net Interest Margin2.82%2.72%3.26%3.84%Beats 29%22 / 31
Efficiency Ratio188.70%49.04%63.83%80.34%Beats 3%31 / 31
Asset Quality
Nonperforming Loans / Loans9.23%0.00%0.24%1.22%Beats 7%26 / 27
Net Charge-Offs / Loans0.47%n/an/a0.01%Beats 4%27 / 27
Capital
Tier 1 Capital Ratio2.89%13.01%19.43%42.39%Beats 0%31 / 31
Total Risk-Based Capital Ratio4.14%13.95%20.55%43.38%Beats 0%31 / 31
Equity / Assets2.04%9.21%12.36%21.28%Beats 0%31 / 31
Liquidity & Funding
Loans / Deposits85.44%52.41%83.15%99.86%52nd pctl15 / 31
Loans / Assets83.10%37.80%67.87%79.23%87th pctl4 / 31
Brokered Deposits / Depositsn/aNot reported for this institution