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Farmers Building and Savings Bank

Rochester, PA · Cert 34711

SI · FDIC · 1 branch

Q2 2026

$122.9MAssets
$59.7MLoans
$96.4MDeposits
$25.1MEquity
Loan mix
100%RE $60.2M0%C&I $0.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $96.2M0%Noninterest $0.2MQ2 2025Q2 2026

NIM

3.79%Q2 ’243.70%Q2 ’253.71%Q2 ’26+26%+27%

Non-interest income vs. expense

1.12%Q2 ’241.26%Q2 ’251.43%Q2 ’26+11%+15%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.0% share · #37 of 48 inst. · $0.1B of $209.3B

Executive Summary

  • Earnings: ROA of 0.44%, up 40 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 1.57% of loans (-77 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.46%, down 27 bps from a year ago.
  • Funding: loans stand at 61.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.44%+40 bps YoY

Net Interest Margin (quarter, annualized)

1.77%+37 bps YoY

Efficiency Ratio (quarter, annualized)

74.32%-690 bps YoY

Tier 1 Leverage Ratio

20.46%-27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%10.43%0.49%0.58%0.44%+40 bps
Return on Equity0.20%2.09%2.38%2.85%2.14%+195 bps
Net Interest Margin1.40%1.47%1.31%1.68%1.77%+37 bps
Efficiency Ratio81.22%85.83%87.90%74.73%74.32%-690 bps
Non-Interest Burden1.10%1.24%1.13%1.21%1.27%+17 bps
Growth
Asset Growth (YoY)3.86%3.42%3.49%4.48%3.41%-45 bps
Loan Growth (YoY)8.48%6.86%6.93%9.94%5.04%-344 bps
Deposit Growth (YoY)4.62%4.12%4.07%5.25%3.71%-91 bps
Asset Quality
Nonperforming Loans / Loans2.34%2.20%1.82%1.82%1.57%-77 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.87%0.77%0.87%0.78%0.79%-8 bps
Allowance Coverage of NPLs0.4x0.3x0.5x0.4x0.5x+0.1x
Capital
Tier 1 Leverage Ratio20.73%20.84%20.75%20.56%20.46%-27 bps
Total Risk-Based Capital47.36%47.52%47.88%48.71%47.81%+45 bps
Equity / Assets20.59%20.89%20.60%20.44%20.39%-20 bps
Liquidity & Funding
Loans / Deposits61.13%62.71%62.05%62.96%61.91%+78 bps
Liquid Assets / Assets42.79%41.86%42.03%41.55%41.50%-129 bps
CRE / Total Capitaln/a13.65%7.17%7.18%n/an/a