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Letter portraitLegal landscapeQuarterYTD

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 $0.0BQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $1.5B9%Noninterest $0.1BQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.55%0.61%0.66%0.76%0.81%1.11%1.17%+51 bps
Return on Equity5.44%5.63%6.64%7.10%8.05%8.57%11.61%12.20%+510 bps
Net Interest Margin2.23%2.22%2.44%2.55%2.58%2.59%3.10%3.12%+57 bps
Efficiency Ratio70.45%69.93%68.24%63.69%61.36%60.42%54.11%52.60%-1,108 bps
Non-Interest Burden1.51%1.48%1.59%1.53%1.49%1.47%1.54%1.51%-2 bps
Growth
Asset Growth (YoY)23.69%16.74%15.14%12.19%9.25%12.50%13.63%13.71%+152 bps
Loan Growth (YoY)19.30%16.70%15.45%15.53%15.31%16.05%16.23%15.48%-5 bps
Deposit Growth (YoY)25.19%22.12%19.45%16.31%14.43%18.46%20.18%19.81%+350 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.01%0.03%0.02%0.20%0.19%0.20%0.19%+16 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.58%0.59%0.58%0.62%0.62%0.61%0.61%0.61%-1 bps
Allowance Coverage of NPLs37.7x40.0x21.5x24.9x3.1x3.3x3.1x3.2x-21.7x
Capital
Tier 1 Leverage Ratio9.55%9.22%9.34%9.76%9.59%9.68%9.64%9.82%+6 bps
Total Risk-Based Capital11.74%11.34%11.12%11.35%11.45%11.60%11.32%11.39%+5 bps
Equity / Assets9.33%9.23%9.25%9.53%9.50%9.61%9.50%9.62%+9 bps
Liquidity & Funding
Loans / Deposits102.63%104.29%106.67%107.28%103.42%102.16%103.16%103.40%-388 bps
Liquid Assets / Assets10.95%9.08%7.12%6.25%6.74%7.01%6.01%5.78%-47 bps
CRE / Total Capitaln/an/an/an/a233%231%238%n/an/a