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Bank of Bird-In-Hand

Bird in Hand, PA · Cert 59074 · Gelt Bcorp Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

25

Q2 2024Q2 2026peer median (50)

Asset Quality

83

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

3

Q2 2024Q2 2026peer median

Efficiency

72

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

Bank of Bird-In-Hand

Bird in Hand, PA · Cert 59074 · Gelt Bcorp Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$1.9BAssets
$1.7BLoans
$1.7BDeposits
$183.6MEquity
Loan mix
94%RE $1.5B6%C&I $0.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $1.5B9%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.09%Q2 ’245.50%Q2 ’255.74%Q2 ’26+10%+23%

Non-interest income vs. expense

1.81%Q2 ’241.78%Q2 ’251.79%Q2 ’26-3%-1%

Market Position · Lancaster, PA · 2026 SOD (annual) · 7.7% share · #5 of 25 inst. · $1.5B of $18.9B

7.7% Lancaster
1.2% Dauphin
3.0% Lebanon
0.2% Chester

Executive Summary

  • Earnings: ROA of 1.17%, up 51 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.19% of loans (+16 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.82%, up 6 bps from a year ago.
  • Funding: loans stand at 103.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+51 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+57 bps YoY

Efficiency Ratio (YTD, annualized)

52.60%-1,108 bps YoY

Tier 1 Leverage Ratio

9.82%+6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.76%0.81%1.11%1.17%+51 bps
Return on Equity7.10%8.05%8.57%11.61%12.20%+510 bps
Net Interest Margin2.55%2.58%2.59%3.10%3.12%+57 bps
Efficiency Ratio63.69%61.36%60.42%54.11%52.60%-1,108 bps
Non-Interest Burden1.53%1.49%1.47%1.54%1.51%-2 bps
Growth
Asset Growth (YoY)12.19%9.25%12.50%13.63%13.71%+152 bps
Loan Growth (YoY)15.53%15.31%16.05%16.23%15.48%-5 bps
Deposit Growth (YoY)16.31%14.43%18.46%20.18%19.81%+350 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.20%0.19%0.20%0.19%+16 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.62%0.62%0.61%0.61%0.61%-1 bps
Allowance Coverage of NPLs24.9x3.1x3.3x3.1x3.2x-21.7x
Capital
Tier 1 Leverage Ratio9.76%9.59%9.68%9.64%9.82%+6 bps
Total Risk-Based Capital11.35%11.45%11.60%11.32%11.39%+5 bps
Equity / Assets9.53%9.50%9.61%9.50%9.62%+9 bps
Liquidity & Funding
Loans / Deposits107.28%103.42%102.16%103.16%103.40%-388 bps
Liquid Assets / Assets6.25%6.74%7.01%6.01%5.78%-47 bps
CRE / Total Capitaln/a233%231%238%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

Bank of Bird-In-Hand

Bird in Hand, PA · Cert 59074 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Gelt Bcorp Inc.

State charter, non-member · FDIC · 15 branches

Q2 2026

$1.9BAssets
$1.7BLoans
$1.7BDeposits
$183.6MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 27 of 258).
  • Widest gap: tier 1 capital ratio trails 83% of banks $1B-$10B in assets operating in a single state (rank 215 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.13%

Rank 146 of 258

Net Interest Margin

3.12%

Rank 196 of 258

Efficiency Ratio

52.60%

Rank 73 of 257

Equity / Assets

9.62%

Rank 158 of 258

Non-interest income vs. expense

$5.2M$33.4MINCOMEEXPENSE
Unfavorable gap of $28.2M · efficiency ratio beats 72% of banks $1B-$10B in assets operating in a single state
Bank 52.60%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.13%0.93%1.23%1.54%Beats 43%146 / 258
Return on Equity11.74%9.26%11.84%14.74%Beats 49%131 / 258
Net Interest Margin3.12%3.16%3.49%3.88%Beats 24%196 / 258
Efficiency Ratio52.60%51.71%60.30%69.65%Beats 72%73 / 257
Asset Quality
Nonperforming Loans / Loans0.19%0.19%0.46%0.90%Beats 76%63 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 90%27 / 258
Capital
Tier 1 Capital Ratio10.76%11.41%12.98%15.12%Beats 17%215 / 258
Total Risk-Based Capital Ratio11.39%12.10%13.91%16.08%Beats 19%210 / 258
Equity / Assets9.62%9.09%10.24%11.72%Beats 39%158 / 258
Liquidity & Funding
Loans / Deposits103.40%73.24%86.34%95.95%88th pctl30 / 258
Loans / Assets91.18%63.01%72.27%78.40%99th pctl2 / 258
Brokered Deposits / Depositsn/aNot reported for this institution