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First National Community Bank

Dunmore, PA · Cert 7472

FDIC · 16 branches

Q2 2024

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 2024, the quarter ended June 30, 2024, 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=264 to 266). 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

36

Q2 2024Q2 2024peer median (50)

Asset Quality

16

Q2 2024Q2 2024peer median (50)

Profitability

40

Q2 2024Q2 2024peer median (50)

Liquidity

93

Q2 2024Q2 2024peer median

Efficiency

48

Q2 2024Q2 2024peer 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

First National Community Bank

Dunmore, PA · Cert 7472

FDIC · 16 branches

Q2 2024

$1.8BAssets
$1.3BLoans
$1.4BDeposits
$138.9MEquity
Loan mix
55%RE $567.6M37%C&I $388.4M8%Consumer $81.4MQ3 2022Q2 2024
Deposit mix
81%Interest-bearing $1.2B19%Noninterest $0.3BQ3 2022Q2 2024

Market Position · Scranton--Wilkes-Barre, PA · 2024 SOD (annual) · 8.5% share · #4 of 22 inst. · $1.3B of $15.9B

9.4% Lackawanna
8.4% Luzerne
4.2% Wayne

Executive Summary

  • Earnings: ROA of 0.58%, down 23 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.75% of loans (+44 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 9.53%, up 56 bps from a year ago.
  • Funding: loans stand at 88.62% of deposits as of Q2 2024.

Return on Assets (YTD, annualized)

0.58%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.90%+35 bps YoY

Efficiency Ratio (YTD, annualized)

68.17%+443 bps YoY

Tier 1 Leverage Ratio

9.53%+56 bps YoY

NIM

3.20%Q2 ’224.21%Q2 ’234.95%Q2 ’24-18%+14%

Non-interest income vs. expense

1.94%Q2 ’221.90%Q2 ’232.28%Q2 ’24-3%+25%

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets1.27%1.24%0.74%0.81%0.91%0.88%0.92%0.58%-23 bps
Return on Equity16.04%16.42%11.64%12.70%14.39%13.88%13.20%8.02%-468 bps
Net Interest Margin3.07%3.07%2.60%2.55%2.56%2.59%2.86%2.90%+35 bps
Efficiency Ratio55.22%56.00%66.88%63.74%63.42%63.92%59.66%68.17%+443 bps
Non-Interest Burden1.50%1.51%1.59%1.47%1.47%1.50%1.53%1.84%+36 bps
Growth
Asset Growth (YoY)2.21%3.95%8.94%9.43%6.74%7.89%3.68%-1.76%-1,119 bps
Loan Growth (YoY)15.91%14.80%12.29%10.21%8.48%8.53%7.43%5.56%-465 bps
Deposit Growth (YoY)1.33%-3.08%3.24%3.20%-0.11%7.74%1.26%-3.13%-633 bps
Asset Quality
Nonperforming Loans / Loans0.25%0.25%0.23%0.31%0.43%0.44%0.48%0.75%+44 bps
Net Charge-Offs / Loans-0.01%0.02%0.09%0.08%0.10%0.12%0.33%0.32%+24 bps
Allowance / Loans1.24%1.26%1.06%1.07%1.01%0.98%1.00%1.10%+3 bps
Allowance Coverage of NPLs5.1x5.0x4.6x3.4x2.4x2.2x2.1x1.5x-2.0x
Capital
Tier 1 Leverage Ratio9.38%8.77%8.96%8.98%9.11%8.76%9.47%9.53%+56 bps
Total Risk-Based Capital14.16%13.11%12.97%12.97%13.21%12.68%13.45%13.54%+56 bps
Equity / Assets6.64%6.20%6.52%6.34%6.24%6.55%7.40%7.67%+133 bps
Liquidity & Funding
Loans / Deposits73.88%79.13%79.52%81.33%80.24%79.71%84.37%88.62%+729 bps
Liquid Assets / Assets0.29%0.19%2.19%3.49%1.60%3.60%2.70%0.23%-326 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/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

First National Community Bank

Dunmore, PA · Cert 7472 · Peer group: banks $1B-$10B in assets operating in a single state (n=264-266)

FDIC · 16 branches

Q2 2024

$1.8BAssets
$1.3BLoans
$1.4BDeposits
$138.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 55% of banks $1B-$10B in assets operating in a single state (rank 120 of 264).
  • Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets operating in a single state (rank 240 of 266).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.59%

Rank 190 of 266

Net Interest Margin

2.90%

Rank 120 of 264

Efficiency Ratio

68.17%

Rank 140 of 266

Equity / Assets

7.67%

Rank 221 of 266

Non-interest income vs. expense

$8.2M$42.4MINCOMEEXPENSE
Unfavorable gap of $34.2M · efficiency ratio beats 48% of banks $1B-$10B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.59%0.55%0.83%1.22%Beats 29%190 / 266n/a
Return on Equity7.66%5.94%9.07%12.35%Beats 37%166 / 265n/a
Net Interest Margin2.90%2.48%2.86%3.39%Beats 55%120 / 264n/a
Efficiency Ratio68.17%57.64%67.46%78.36%Beats 48%140 / 266n/a
Asset Quality
Nonperforming Loans / Loans0.75%0.13%0.33%0.72%Beats 22%208 / 266n/a
Net Charge-Offs / Loans0.21%0.00%0.02%0.06%Beats 10%240 / 266n/a
Capital
Tier 1 Capital Ratio12.49%11.36%12.84%14.84%Beats 42%154 / 266n/a
Total Risk-Based Capital Ratio13.54%12.04%13.69%15.92%Beats 48%139 / 266n/a
Equity / Assets7.67%8.12%9.35%11.13%Beats 17%221 / 266n/a
Liquidity & Funding
Loans / Deposits88.62%73.93%87.16%96.80%53rd pctl125 / 266n/a
Loans / Assets69.92%62.79%71.72%79.24%45th pctl147 / 266n/a
Brokered Deposits / Depositsn/aNot reported for this institution