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First National Bank of Marysville, The

Marysville, PA · Cert 7598

FDIC · 25 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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 Bank of Marysville, The

Marysville, PA · Cert 7598

FDIC · 25 branches

Q3 2021

$1.2BAssets
$866.6MLoans
$1.1BDeposits
$129.4MEquity
Loan mix
81%RE $438.0M18%C&I $95.4M1%Consumer $5.9MQ3 2020Q3 2021
Deposit mix
81%Interest-bearing $877.0M19%Noninterest $202.6MQ3 2020Q3 2021

NIM

4.60%Q3 ’193.35%Q3 ’203.83%Q3 ’21-15%+5%

Non-interest income vs. expense

3.81%Q3 ’195.23%Q3 ’202.89%Q3 ’21+49%-56%

Market Position · Harrisburg-Carlisle, PA · 2021 SOD (annual) · 1.5% share · #15 of 27 inst. · $0.3B of $20.4B

13.3% Clearfield
8.6% Schuylkill
19.6% Perry
1.5% Dauphin

Executive Summary

  • Earnings: ROA of 1.25%, up 369 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.48% of loans (+20 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.41%, up 200 bps from a year ago.
  • Funding: loans stand at 80.27% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

1.25%+369 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+17 bps YoY

Efficiency Ratio (YTD, annualized)

64.61%-1,360 bps YoY

Tier 1 Leverage Ratio

10.41%+200 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-2.44%-1.63%1.01%1.31%1.25%+369 bps
Return on Equity-26.46%-17.90%11.59%14.21%13.12%+3,958 bps
Net Interest Margin3.36%3.41%3.36%3.50%3.53%+17 bps
Efficiency Ratio78.21%76.96%66.77%64.06%64.61%-1,360 bps
Non-Interest Burden4.61%4.00%1.79%1.82%2.01%-260 bps
Growth
Asset Growth (YoY)22.27%25.66%22.98%-9.85%-8.46%-3,072 bps
Loan Growth (YoY)32.15%34.19%23.27%-18.88%-25.81%-5,795 bps
Deposit Growth (YoY)6.44%9.01%13.79%2.98%4.57%-186 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.14%0.27%0.26%0.48%+20 bps
Net Charge-Offs / Loans0.18%0.14%0.02%0.13%0.10%-8 bps
Allowance / Loans1.00%1.07%1.11%1.15%1.25%+25 bps
Allowance Coverage of NPLs3.5x7.7x4.1x4.4x2.6x-0.9x
Capital
Tier 1 Leverage Ratio8.41%9.76%9.86%10.01%10.41%+200 bps
Total Risk-Based Capital12.39%14.17%9.86%10.01%10.41%-198 bps
Equity / Assets7.49%8.76%8.72%10.37%10.42%+293 bps
Liquidity & Funding
Loans / Deposits113.14%111.46%100.26%89.98%80.27%-3,287 bps
Liquid Assets / Assets1.57%2.67%3.91%3.93%14.11%+1,254 bps
CRE / Total Capitaln/an/an/an/an/an/an/a