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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