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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

Trailing 9 quarters, through Q2 2026

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 (100)

Efficiency

97

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

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 $0KQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets21.53%20.29%28.84%28.49%28.64%27.95%32.49%33.31%+482 bps
Return on Equity22.27%21.03%29.95%29.55%29.69%29.10%33.85%34.58%+503 bps
Net Interest Margin4.09%4.33%3.79%3.60%3.44%3.66%3.46%3.30%-30 bps
Efficiency Ratio42.51%43.09%46.62%43.48%41.97%43.15%39.95%36.91%-656 bps
Non-Interest Burden-21.78%-22.70%-29.13%-30.36%-29.66%-28.62%-38.94%-39.97%-961 bps
Growth
Asset Growth (YoY)26.33%-18.79%-15.91%-14.00%-13.52%1.73%1.07%2.79%+1,679 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio100.58%71.82%100.34%100.76%100.66%79.86%100.30%101.53%+77 bps
Total Risk-Based Capital100.58%71.82%100.34%100.76%100.66%79.86%100.30%101.53%+77 bps
Equity / Assets97.09%95.47%97.08%96.58%96.61%94.35%97.52%96.87%+29 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/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 2026-10-12

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 75thStandingRank8-Qtr TrendPeer 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