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Apollo Trust Company

Apollo, PA · Cert 6051 · Apollo Bcorp Inc.

State charter, Fed member · FED · 6 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=581 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

45

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

Apollo Trust Company

Apollo, PA · Cert 6051 · Apollo Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$209.4MAssets
$183.7MLoans
$150.1MDeposits
$22.2MEquity
Loan mix
96%RE $168.7M3%C&I $4.8M1%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $80.4M46%Noninterest $69.7MQ2 2025Q2 2026

NIM

4.46%Q2 ’244.71%Q2 ’255.00%Q2 ’26+8%+11%

Non-interest income vs. expense

3.09%Q2 ’243.23%Q2 ’253.36%Q2 ’26+3%+7%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.1% share · #32 of 48 inst. · $0.2B of $209.3B

4.9% Armstrong
0.5% Westmoreland

Executive Summary

  • Earnings: ROA of 1.15%, up 20 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.29% of loans (+22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.05%, up 41 bps from a year ago.
  • Funding: loans stand at 122.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+40 bps YoY

Efficiency Ratio (YTD, annualized)

69.60%-246 bps YoY

Tier 1 Leverage Ratio

11.05%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.01%1.02%1.10%1.15%+20 bps
Return on Equity9.58%10.14%10.18%10.64%11.05%+146 bps
Net Interest Margin3.73%3.79%3.78%4.03%4.13%+40 bps
Efficiency Ratio72.06%71.00%70.62%71.02%69.60%-246 bps
Non-Interest Burden2.49%2.48%2.47%2.67%2.67%+18 bps
Growth
Asset Growth (YoY)2.88%4.00%2.89%2.63%1.28%-159 bps
Loan Growth (YoY)3.14%4.69%4.36%3.76%2.17%-97 bps
Deposit Growth (YoY)-2.40%-1.30%-1.66%1.88%2.05%+445 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.03%0.03%0.32%0.29%+22 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%-1 bps
Allowance / Loans0.82%0.82%0.83%0.81%0.82%-1 bps
Allowance Coverage of NPLs11.1x32.5x32.8x2.6x2.8x-8.3x
Capital
Tier 1 Leverage Ratio10.64%10.75%10.72%10.85%11.05%+41 bps
Total Risk-Based Capital18.11%18.19%18.63%18.69%19.16%+105 bps
Equity / Assets9.98%10.07%10.31%10.38%10.62%+64 bps
Liquidity & Funding
Loans / Deposits122.29%122.91%129.06%124.68%122.43%+14 bps
Liquid Assets / Assets0.72%1.11%0.59%0.82%1.22%+50 bps
CRE / Total Capitaln/a146.04%141.39%145.84%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

Apollo Trust Company

Apollo, PA · Cert 6051 · Peer group: banks under $1B in assets (n=581-629) · Apollo Bcorp Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$209.4MAssets
$183.7MLoans
$150.1MDeposits
$22.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 79% of banks under $1B in assets (rank 134 of 629).
  • Widest gap: efficiency ratio trails 55% of banks under $1B in assets (rank 344 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.15%

Rank 259 of 629

Net Interest Margin

4.13%

Rank 134 of 629

Efficiency Ratio

69.60%

Rank 344 of 629

Equity / Assets

10.62%

Rank 318 of 629

Non-interest income vs. expense

$1.5M$7.0MINCOMEEXPENSE
Unfavorable gap of $5.6M · efficiency ratio beats 45% of banks under $1B in assets
Bank 69.60%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.15%0.60%1.01%1.45%Beats 59%259 / 629
Return on Equity10.85%5.38%9.30%13.28%Beats 59%256 / 629
Net Interest Margin4.13%3.03%3.54%4.05%Beats 79%134 / 629
Efficiency Ratio69.60%58.35%67.79%79.08%Beats 45%344 / 629
Asset Quality
Nonperforming Loans / Loans0.29%0.09%0.46%1.20%Beats 58%245 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 61%228 / 581
Capital
Tier 1 Capital Ratio17.96%11.24%13.84%18.77%Beats 73%171 / 629
Total Risk-Based Capital Ratio19.16%11.58%14.43%19.66%Beats 74%164 / 629
Equity / Assets10.62%9.09%10.65%13.80%Beats 49%318 / 629
Liquidity & Funding
Loans / Deposits122.43%67.24%80.90%93.48%99th pctl8 / 594
Loans / Assets87.74%53.31%67.71%78.15%97th pctl22 / 629
Brokered Deposits / Depositsn/aNot reported for this institution