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Pennian Bank

Mifflintown, PA · Cert 7613 · First Community Financial Corp.

State charter, non-member · FDIC · 11 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=570 to 617). 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

14

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

Pennian Bank

Mifflintown, PA · Cert 7613 · First Community Financial Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

$667.9MAssets
$447.4MLoans
$578.9MDeposits
$49.8MEquity
Loan mix
85%RE $350.3M14%C&I $57.7M1%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $462.4M20%Noninterest $116.5MQ2 2025Q2 2026

NIM

4.04%Q2 ’244.26%Q2 ’254.30%Q2 ’26+21%+10%

Non-interest income vs. expense

2.51%Q2 ’242.82%Q2 ’253.15%Q2 ’26+9%+13%

Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 1.4% share · #17 of 25 inst. · $0.3B of $20.2B

40.8% Juniata
24.2% Perry
0.5% Cumberland
0.2% Dauphin

Executive Summary

  • Earnings: ROA of 0.39%, down 8 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 1.09% of loans (+37 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.24%, up 36 bps from a year ago.
  • Funding: loans stand at 77.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+26 bps YoY

Efficiency Ratio (YTD, annualized)

88.75%+159 bps YoY

Tier 1 Leverage Ratio

9.24%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.28%0.34%0.38%0.39%-8 bps
Return on Equity7.24%4.19%4.91%5.10%5.29%-195 bps
Net Interest Margin2.57%2.55%2.73%2.80%2.83%+26 bps
Efficiency Ratio87.17%87.65%85.19%87.97%88.75%+159 bps
Non-Interest Burden2.15%2.15%2.23%2.38%2.43%+28 bps
Growth
Asset Growth (YoY)-4.71%-5.57%-1.98%-1.63%-0.95%+376 bps
Loan Growth (YoY)-5.99%-6.00%-4.57%-4.29%1.20%+719 bps
Deposit Growth (YoY)1.10%0.80%-1.77%-1.30%-2.05%-314 bps
Asset Quality
Nonperforming Loans / Loans0.73%1.93%1.12%1.12%1.09%+37 bps
Net Charge-Offs / Loans0.04%0.26%0.37%0.00%0.01%-2 bps
Allowance / Loans1.22%1.26%1.24%1.26%1.21%-1 bps
Allowance Coverage of NPLs1.7x0.7x1.1x1.1x1.1x-0.6x
Capital
Tier 1 Leverage Ratio8.88%8.68%8.92%9.33%9.24%+36 bps
Total Risk-Based Capital16.28%16.36%16.73%17.03%16.52%+23 bps
Equity / Assets6.55%7.22%7.42%7.35%7.45%+90 bps
Liquidity & Funding
Loans / Deposits74.81%76.60%75.67%75.22%77.28%+248 bps
Liquid Assets / Assets2.88%1.58%3.75%4.73%3.61%+73 bps
CRE / Total Capitaln/a230%213%208%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

Pennian Bank

Mifflintown, PA · Cert 7613 · Peer group: banks under $1B in assets (n=570-617) · First Community Financial Corp.

State charter, non-member · FDIC · 11 branches

Q2 2026

$667.9MAssets
$447.4MLoans
$578.9MDeposits
$49.8MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 64% of banks under $1B in assets (rank 220 of 617).
  • Widest gap: equity / assets trails 93% of banks under $1B in assets (rank 573 of 617).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.39%

Rank 517 of 617

Net Interest Margin

2.83%

Rank 515 of 617

Efficiency Ratio

88.75%

Rank 533 of 617

Equity / Assets

7.45%

Rank 573 of 617

Non-interest income vs. expense

$4.9M$21.5MINCOMEEXPENSE
Unfavorable gap of $16.6M · efficiency ratio beats 14% of banks under $1B in assets
Bank 88.75%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.60%1.01%1.45%Beats 16%517 / 617
Return on Equity5.22%5.30%9.43%13.30%Beats 24%467 / 617
Net Interest Margin2.83%3.04%3.54%4.05%Beats 17%515 / 617
Efficiency Ratio88.75%58.03%67.76%79.08%Beats 14%533 / 617
Asset Quality
Nonperforming Loans / Loans1.09%0.09%0.47%1.27%Beats 29%408 / 570
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 46%309 / 570
Capital
Tier 1 Capital Ratio15.27%11.18%13.83%18.55%Beats 62%236 / 617
Total Risk-Based Capital Ratio16.52%11.56%14.39%19.39%Beats 64%220 / 617
Equity / Assets7.45%9.03%10.55%13.63%Beats 7%573 / 617
Liquidity & Funding
Loans / Deposits77.28%64.77%79.70%93.06%46th pctl313 / 582
Loans / Assets66.98%51.70%67.18%77.51%50th pctl311 / 617
Brokered Deposits / Depositsn/aNot reported for this institution