PackageTrendsPeer
Letter portraitLegal landscape

Neffs National Bank, The

Neffs, PA · Cert 7646 · Neffs Bcorp Inc.

National charter · OCC · 3 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

71

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

25

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

Neffs National Bank, The

Neffs, PA · Cert 7646 · Neffs Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$470.8MAssets
$258.2MLoans
$371.9MDeposits
$71.7MEquity
Loan mix
88%RE $209.1M2%C&I $3.8M11%Consumer $25.3MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $286.8M23%Noninterest $85.1MQ2 2025Q2 2026

NIM

3.70%Q2 ’243.89%Q2 ’254.09%Q2 ’26+9%+14%

Non-interest income vs. expense

1.76%Q2 ’241.81%Q2 ’252.16%Q2 ’26+3%+16%

Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 1.6% share · #16 of 32 inst. · $0.4B of $22.9B

2.7% Lehigh
1.0% Northampton
1.0% Carbon

Executive Summary

  • Earnings: ROA of 0.53%, down 7 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.04% of loans (-2 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.82%, up 25 bps from a year ago.
  • Funding: loans stand at 69.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%-7 bps YoY

Net Interest Margin (YTD, annualized)

2.59%+31 bps YoY

Efficiency Ratio (YTD, annualized)

78.92%+183 bps YoY

Tier 1 Leverage Ratio

16.82%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.61%0.60%0.62%0.50%0.53%-7 bps
Return on Equity4.14%4.07%4.20%3.28%3.50%-64 bps
Net Interest Margin2.28%2.30%2.36%2.51%2.59%+31 bps
Efficiency Ratio77.09%75.35%74.29%80.53%78.92%+183 bps
Non-Interest Burden1.74%1.71%1.74%1.99%2.01%+27 bps
Growth
Asset Growth (YoY)2.36%1.32%2.90%0.67%0.71%-165 bps
Loan Growth (YoY)5.02%5.87%6.34%3.58%3.88%-114 bps
Deposit Growth (YoY)-3.12%-3.05%-2.68%1.25%3.22%+634 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.04%0.04%0.04%0.04%-2 bps
Net Charge-Offs / Loans0.00%0.01%0.01%-0.01%0.00%+1 bps
Allowance / Loans0.89%0.90%0.90%0.90%0.90%+1 bps
Allowance Coverage of NPLs15.5x20.4x22.9x24.1x22.4x+6.9x
Capital
Tier 1 Leverage Ratio16.57%16.41%16.69%16.62%16.82%+25 bps
Total Risk-Based Capital16.57%16.41%16.69%16.62%16.82%+25 bps
Equity / Assets14.77%14.97%15.17%15.24%15.23%+46 bps
Liquidity & Funding
Loans / Deposits68.98%69.97%70.60%69.63%69.42%+45 bps
Liquid Assets / Assets31.36%31.10%30.85%30.98%31.10%-26 bps
CRE / Total Capitaln/a106.41%104.73%107.04%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

Neffs National Bank, The

Neffs, PA · Cert 7646 · Peer group: banks under $1B in assets (n=581-629) · Neffs Bcorp Inc.

National charter · OCC · 3 branches

Q2 2026

$470.8MAssets
$258.2MLoans
$371.9MDeposits
$71.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets (rank 108 of 581).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets (rank 556 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.53%

Rank 497 of 629

Net Interest Margin

2.59%

Rank 556 of 629

Efficiency Ratio

78.92%

Rank 470 of 629

Equity / Assets

15.23%

Rank 136 of 629

Non-interest income vs. expense

$0.7M$10.1MINCOMEEXPENSE
Unfavorable gap of $9.4M · efficiency ratio beats 25% of banks under $1B in assets
Bank 78.92%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.53%0.60%1.01%1.45%Beats 21%497 / 629
Return on Equity3.48%5.38%9.30%13.28%Beats 17%524 / 629
Net Interest Margin2.59%3.03%3.54%4.05%Beats 12%556 / 629
Efficiency Ratio78.92%58.35%67.79%79.08%Beats 25%470 / 629
Asset Quality
Nonperforming Loans / Loans0.04%0.09%0.46%1.20%Beats 82%108 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 58%245 / 581
Capital
Tier 1 Capital Ratio16.82%11.24%13.84%18.77%Beats 69%197 / 629
Total Risk-Based Capital Ratio16.82%11.58%14.43%19.66%Beats 66%214 / 629
Equity / Assets15.23%9.09%10.65%13.80%Beats 78%136 / 629
Liquidity & Funding
Loans / Deposits69.42%67.24%80.90%93.48%29th pctl419 / 594
Loans / Assets54.84%53.31%67.71%78.15%27th pctl460 / 629
Brokered Deposits / Depositsn/aNot reported for this institution