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Northumberland National Bank, The

Northumberland, PA · Cert 7666

FDIC · 7 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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=528 to 576). 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

51

Q2 2024Q2 2025peer median (50)

Asset Quality

60

Q2 2024Q2 2025peer median (50)

Profitability

27

Q2 2024Q2 2025peer median (50)

Liquidity

85

Q2 2024Q2 2025peer median

Efficiency

34

Q2 2024Q2 2025peer 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

Northumberland National Bank, The

Northumberland, PA · Cert 7666

FDIC · 7 branches

Q2 2025

$684.5MAssets
$446.3MLoans
$603.7MDeposits
$58.4MEquity
Loan mix
81%RE $296.2M18%C&I $65.3M2%Consumer $5.9MQ3 2023Q2 2025
Deposit mix
76%Interest-bearing $459.8M24%Noninterest $143.8MQ3 2023Q2 2025

Executive Summary

  • Earnings: ROA of 0.63%, up 41 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.19% of loans (-42 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.86%, up 46 bps from a year ago.
  • Funding: loans stand at 73.93% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

0.63%+41 bps YoY

Net Interest Margin (YTD, annualized)

2.50%+29 bps YoY

Efficiency Ratio (YTD, annualized)

76.47%-1,569 bps YoY

Tier 1 Leverage Ratio

9.86%+46 bps YoY

NIM

3.53%Q2 ’234.01%Q2 ’244.23%Q2 ’25-4%+13%

Non-interest income vs. expense

2.62%Q2 ’232.60%Q2 ’242.37%Q2 ’25-3%-11%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.26%0.31%0.20%0.22%0.25%0.28%0.52%0.63%+41 bps
Return on Equity3.74%4.29%2.63%2.92%3.32%3.68%6.35%7.61%+469 bps
Net Interest Margin2.38%2.38%2.25%2.21%2.28%2.33%2.47%2.50%+29 bps
Efficiency Ratio89.03%87.32%93.07%92.16%91.36%89.89%80.30%76.47%-1,569 bps
Non-Interest Burden2.05%2.00%2.05%1.99%2.02%2.02%1.87%1.77%-22 bps
Growth
Asset Growth (YoY)-3.97%-2.36%0.98%1.75%4.72%-1.24%-1.87%-0.19%-194 bps
Loan Growth (YoY)0.95%1.85%4.15%4.63%2.52%0.74%2.07%1.80%-283 bps
Deposit Growth (YoY)-7.54%-4.57%1.14%1.70%3.55%-1.66%-2.82%-1.34%-304 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.60%0.54%0.61%0.40%0.46%0.14%0.19%-42 bps
Net Charge-Offs / Loans0.01%0.02%0.06%0.05%0.04%0.04%0.01%0.00%-5 bps
Allowance / Loans0.95%0.94%0.91%0.89%0.90%0.89%0.87%0.87%-3 bps
Allowance Coverage of NPLs2.7x1.6x1.7x1.5x2.2x2.0x6.4x4.6x+3.1x
Capital
Tier 1 Leverage Ratio9.48%9.72%9.54%9.40%9.50%9.69%9.97%9.86%+46 bps
Total Risk-Based Capital17.71%16.73%16.12%16.38%16.50%16.88%16.36%16.88%+50 bps
Equity / Assets6.65%7.74%7.34%7.43%8.04%8.08%8.22%8.53%+110 bps
Liquidity & Funding
Loans / Deposits71.54%72.38%70.17%71.65%70.83%74.14%73.71%73.93%+228 bps
Liquid Assets / Assets1.80%1.87%5.63%3.41%5.17%2.68%4.27%5.44%+204 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

Northumberland National Bank, The

Northumberland, PA · Cert 7666 · Peer group: banks under $1B in assets (n=528-576)

FDIC · 7 branches

Q2 2025

$684.5MAssets
$446.3MLoans
$603.7MDeposits
$58.4MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 65% of banks under $1B in assets (rank 204 of 575).
  • Widest gap: net interest margin trails 88% of banks under $1B in assets (rank 505 of 575).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.62%

Rank 395 of 576

Net Interest Margin

2.50%

Rank 505 of 575

Efficiency Ratio

76.47%

Rank 380 of 575

Equity / Assets

8.53%

Rank 433 of 575

Non-interest income vs. expense

$4.1M$16.4MINCOMEEXPENSE
Unfavorable gap of $12.3M · efficiency ratio beats 34% of banks under $1B in assets
Bank 76.47%Peer median 70.1%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.62%0.51%0.91%1.43%Beats 31%395 / 576
Return on Equity7.29%4.85%8.92%13.13%Beats 39%349 / 575
Net Interest Margin2.50%2.85%3.33%3.90%Beats 12%505 / 575
Efficiency Ratio76.47%58.61%70.08%82.08%Beats 34%380 / 575
Asset Quality
Nonperforming Loans / Loans0.19%0.06%0.34%0.93%Beats 62%202 / 528
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 58%222 / 528
Capital
Tier 1 Capital Ratio15.92%11.22%13.91%18.96%Beats 63%213 / 575
Total Risk-Based Capital Ratio16.88%11.76%14.45%19.92%Beats 65%204 / 575
Equity / Assets8.53%8.53%10.12%12.97%Beats 25%433 / 575
Liquidity & Funding
Loans / Deposits73.93%64.54%78.36%91.99%40th pctl322 / 538
Loans / Assets65.20%55.85%68.40%77.98%43rd pctl300 / 528
Brokered Deposits / Depositsn/aNot reported for this institution