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Fidelity Personal Trust Company, F.S.B.

Boston, MA · Cert 35206

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=594 to 629). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

78

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

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

Fidelity Personal Trust Company, F.S.B.

Boston, MA · Cert 35206

State savings bank · OCC · 2 branches

Q2 2026

$74.6MAssets
$0KLoans
$500KDeposits
$72.3MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ2 2025Q2 2026

NIM

4.24%Q2 ’243.63%Q2 ’253.33%Q2 ’26-15%-8%

Non-interest income vs. expense

20.86%Q2 ’2426.13%Q2 ’2525.32%Q2 ’26-33%-32%

Market Position · Manchester-Nashua, NH · 2026 SOD (annual) · 0.0% share · #24 of 24 inst. · $0.0B of $15.4B

0.0% Hillsborough
0.0% New Castle

Executive Summary

  • Earnings: ROA of 33.31%, up 482 bps year over year; NIM at 3.30%.
  • Capital: tier 1 leverage ratio of 101.53%, up 77 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

33.31%+482 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-30 bps YoY

Efficiency Ratio (YTD, annualized)

36.91%-656 bps YoY

Tier 1 Leverage Ratio

101.53%+77 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets28.49%28.64%27.95%32.49%33.31%+482 bps
Return on Equity29.55%29.69%29.10%33.85%34.58%+503 bps
Net Interest Margin3.60%3.44%3.66%3.46%3.30%-30 bps
Efficiency Ratio43.48%41.97%43.15%39.95%36.91%-656 bps
Non-Interest Burden-30.36%-29.66%-28.62%-38.94%-39.97%-961 bps
Growth
Asset Growth (YoY)-14.00%-13.52%1.73%1.07%2.79%+1,679 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio100.76%100.66%79.86%100.30%101.53%+77 bps
Total Risk-Based Capital100.76%100.66%79.86%100.30%101.53%+77 bps
Equity / Assets96.58%96.61%94.35%97.52%96.87%+29 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Fidelity Personal Trust Company, F.S.B.

Boston, MA · Cert 35206 · Peer group: banks under $1B in assets (n=594-629)

State savings bank · OCC · 2 branches

Q2 2026

$74.6MAssets
$0KLoans
$500KDeposits
$72.3MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets (rank 7 of 629).
  • Widest gap: net interest margin trails 63% of banks under $1B in assets (rank 394 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

30.78%

Rank 7 of 629

Net Interest Margin

3.30%

Rank 394 of 629

Efficiency Ratio

36.91%

Rank 17 of 629

Equity / Assets

96.87%

Rank 6 of 629

Non-interest income vs. expense

$46.5M$18.0MINCOMEEXPENSE
Favorable gap of $28.5M · efficiency ratio beats 97% of banks under $1B in assets
Bank 36.91%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets30.78%0.60%1.01%1.45%Beats 99%7 / 629
Return on Equity31.78%5.38%9.30%13.28%Beats 98%11 / 629
Net Interest Margin3.30%3.03%3.54%4.05%Beats 37%394 / 629
Efficiency Ratio36.91%58.35%67.79%79.08%Beats 97%17 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio101.53%11.24%13.84%18.77%Beats 95%30 / 629
Total Risk-Based Capital Ratio101.53%11.58%14.43%19.66%Beats 95%30 / 629
Equity / Assets96.87%9.09%10.65%13.80%Beats 99%6 / 629
Liquidity & Funding
Loans / Deposits0.00%67.24%80.90%93.48%0th pctl582 / 594
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution