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Security National Trust Co.

Wheeling, WV · Cert 57081

FDIC

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=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

95

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

71

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

55

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

Security National Trust Co.

Wheeling, WV · Cert 57081

FDIC

Q2 2026

$8.8MAssets
$0KLoans
$0KDeposits
$7.4MEquity

Executive Summary

  • Earnings: ROA of 31.76%, up 849 bps year over year; NIM at 2.76%.
  • Capital: tier 1 leverage ratio of 87.19%, up 105 bps from a year ago.

Return on Assets (YTD, annualized)

31.76%+849 bps YoY

Net Interest Margin (YTD, annualized)

2.76%-9 bps YoY

Efficiency Ratio (YTD, annualized)

66.51%-710 bps YoY

Tier 1 Leverage Ratio

87.19%+105 bps YoY

NIM

3.05%Q2 ’242.85%Q2 ’252.62%Q2 ’26-7%-3%

Non-interest income vs. expense

89.17%Q2 ’2478.02%Q2 ’2575.67%Q2 ’26+5%-41%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets22.95%24.50%23.13%23.27%24.17%25.90%31.97%31.76%+849 bps
Return on Equity27.19%29.01%27.65%27.77%28.81%31.08%39.02%38.42%+1,065 bps
Net Interest Margin3.53%3.84%4.24%2.85%2.85%3.00%2.86%2.76%-9 bps
Efficiency Ratio73.10%72.20%74.28%73.62%72.46%71.53%67.41%66.51%-710 bps
Non-Interest Burden-31.78%-33.16%-37.09%-25.12%-24.99%-26.30%-37.16%-35.48%-1,036 bps
Growth
Asset Growth (YoY)11.22%-1.83%3.26%3.82%1.66%6.84%5.01%7.84%+402 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
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 Ratio117.08%90.58%122.91%86.14%85.34%64.19%84.52%87.19%+105 bps
Total Risk-Based Capital117.08%90.58%122.91%86.14%85.34%64.19%84.52%87.19%+105 bps
Equity / Assets84.58%84.57%82.82%84.09%84.12%80.96%82.81%83.95%-14 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets9.56%5.89%7.99%8.56%13.56%0.25%7.80%4.92%-364 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 2026-10-11

Security National Trust Co.

Wheeling, WV · Cert 57081 · Peer group: banks under $1B in assets (n=629)

FDIC

Q2 2026

$8.8MAssets
$0KLoans
$0KDeposits
$7.4MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets (rank 8 of 629).
  • Widest gap: net interest margin trails 85% of banks under $1B in assets (rank 535 of 629).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

28.79%

Rank 8 of 629

Net Interest Margin

2.76%

Rank 535 of 629

Efficiency Ratio

66.51%

Rank 286 of 629

Equity / Assets

83.95%

Rank 27 of 629

Non-interest income vs. expense

$9.4M$6.4MINCOMEEXPENSE
Favorable gap of $3.0M · efficiency ratio beats 55% of banks under $1B in assets
Bank 66.51%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets28.79%0.60%1.01%1.45%Beats 99%8 / 629
Return on Equity34.29%5.38%9.30%13.28%Beats 98%10 / 629
Net Interest Margin2.76%3.03%3.54%4.05%Beats 15%535 / 629
Efficiency Ratio66.51%58.35%67.79%79.08%Beats 55%286 / 629
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio87.19%11.24%13.84%18.77%Beats 94%40 / 629
Total Risk-Based Capital Ratio87.19%11.58%14.43%19.66%Beats 94%40 / 629
Equity / Assets83.95%9.09%10.65%13.80%Beats 96%27 / 629
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%53.31%67.71%78.15%0th pctl582 / 629
Brokered Deposits / Depositsn/aNot reported for this institution