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Letter portraitLegal landscapeQuarterYTD

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 0.74%, up 50 bps year over year; NIM at 2.59%.
  • 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 (quarter, annualized)

0.74%+50 bps YoY

Net Interest Margin (quarter, annualized)

2.59%+38 bps YoY

Efficiency Ratio (quarter, annualized)

72.91%-1,833 bps YoY

Tier 1 Leverage Ratio

9.86%+46 bps YoY

NIM

3.62%Q2 ’234.09%Q2 ’244.33%Q2 ’25-6%+17%

Non-interest income vs. expense

2.63%Q2 ’232.57%Q2 ’242.34%Q2 ’25-4%-12%

Discrete quarter, annualized.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.39%0.44%0.20%0.24%0.32%0.37%0.52%0.74%+50 bps
Return on Equity5.74%6.18%2.63%3.21%4.17%4.61%6.35%8.81%+560 bps
Net Interest Margin2.44%2.27%2.25%2.21%2.39%2.37%2.47%2.59%+38 bps
Efficiency Ratio85.69%81.92%93.07%91.25%89.96%85.41%80.30%72.91%-1,833 bps
Non-Interest Burden2.01%1.75%2.05%1.96%2.06%1.94%1.87%1.73%-24 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 / Loans0.02%0.03%0.06%0.04%0.02%0.02%0.01%0.00%-3 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