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New Tripoli Bank

New Tripoli, PA · Cert 7659 · New Tripoli Bcorp Inc.

State charter, Fed member · FED · 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

15

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

76

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

New Tripoli Bank

New Tripoli, PA · Cert 7659 · New Tripoli Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$674.0MAssets
$524.8MLoans
$600.4MDeposits
$52.9MEquity
Loan mix
93%RE $475.1M7%C&I $34.0M0%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $494.0M18%Noninterest $106.3MQ2 2025Q2 2026

NIM

4.19%Q2 ’244.37%Q2 ’254.68%Q2 ’26+21%+25%

Non-interest income vs. expense

1.93%Q2 ’241.92%Q2 ’251.92%Q2 ’26+0%-2%

Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 2.6% share · #9 of 32 inst. · $0.6B of $22.9B

Executive Summary

  • Earnings: ROA of 1.17%, up 59 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.89% of loans (+20 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.63%, up 24 bps from a year ago.
  • Funding: loans stand at 87.40% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+59 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+60 bps YoY

Efficiency Ratio (YTD, annualized)

57.73%-1,348 bps YoY

Tier 1 Leverage Ratio

10.63%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.68%0.70%1.04%1.17%+59 bps
Return on Equity8.20%9.68%9.82%13.90%15.31%+711 bps
Net Interest Margin2.45%2.47%2.57%3.02%3.05%+60 bps
Efficiency Ratio71.21%66.31%67.55%61.56%57.73%-1,348 bps
Non-Interest Burden1.67%1.55%1.66%1.75%1.65%-3 bps
Growth
Asset Growth (YoY)3.71%4.80%4.49%5.66%2.14%-157 bps
Loan Growth (YoY)3.70%6.89%6.40%7.71%3.35%-35 bps
Deposit Growth (YoY)0.31%4.88%3.64%6.31%6.47%+616 bps
Asset Quality
Nonperforming Loans / Loans0.69%1.02%0.98%0.88%0.89%+20 bps
Net Charge-Offs / Loans0.00%0.02%0.01%-0.01%0.00%0 bps
Allowance / Loans1.10%1.13%1.11%1.09%1.09%-2 bps
Allowance Coverage of NPLs1.6x1.1x1.1x1.2x1.2x-0.4x
Capital
Tier 1 Leverage Ratio10.39%10.25%10.30%10.63%10.63%+24 bps
Total Risk-Based Capital10.39%10.25%10.30%10.63%10.63%+24 bps
Equity / Assets6.96%7.21%7.44%7.58%7.85%+89 bps
Liquidity & Funding
Loans / Deposits90.04%87.91%88.41%88.98%87.40%-263 bps
Liquid Assets / Assets0.72%0.54%0.81%0.46%0.69%-3 bps
CRE / Total Capitaln/a276%283%291%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

New Tripoli Bank

New Tripoli, PA · Cert 7659 · Peer group: banks under $1B in assets (n=581-629) · New Tripoli Bcorp Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$674.0MAssets
$524.8MLoans
$600.4MDeposits
$52.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 83% of banks under $1B in assets (rank 110 of 629).
  • Widest gap: equity / assets trails 89% of banks under $1B in assets (rank 561 of 629).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.16%

Rank 258 of 629

Net Interest Margin

3.05%

Rank 465 of 629

Efficiency Ratio

57.73%

Rank 151 of 629

Equity / Assets

7.85%

Rank 561 of 629

Non-interest income vs. expense

$1.9M$13.1MINCOMEEXPENSE
Unfavorable gap of $11.2M · efficiency ratio beats 76% of banks under $1B in assets
Bank 57.73%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.16%0.60%1.01%1.45%Beats 59%258 / 629
Return on Equity14.78%5.38%9.30%13.28%Beats 83%110 / 629
Net Interest Margin3.05%3.03%3.54%4.05%Beats 26%465 / 629
Efficiency Ratio57.73%58.35%67.79%79.08%Beats 76%151 / 629
Asset Quality
Nonperforming Loans / Loans0.89%0.09%0.46%1.20%Beats 33%388 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 64%210 / 581
Capital
Tier 1 Capital Ratio10.63%11.24%13.84%18.77%Beats 18%517 / 629
Total Risk-Based Capital Ratio10.63%11.58%14.43%19.66%Beats 16%531 / 629
Equity / Assets7.85%9.09%10.65%13.80%Beats 11%561 / 629
Liquidity & Funding
Loans / Deposits87.40%67.24%80.90%93.48%63rd pctl217 / 594
Loans / Assets77.86%53.31%67.71%78.15%74th pctl164 / 629
Brokered Deposits / Depositsn/aNot reported for this institution