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Turbotville National Bank, The

Turbotville, PA · Cert 7789 · Turbotville National Bcorp Inc.

National charter · OCC · 1 branch

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

70

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

98

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

Turbotville National Bank, The

Turbotville, PA · Cert 7789 · Turbotville National Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$243.5MAssets
$181.5MLoans
$202.0MDeposits
$38.6MEquity
Loan mix
96%RE $160.3M3%C&I $4.6M2%Consumer $2.5MQ3 2024Q2 2026
Deposit mix
85%Interest-bearing $171.0M15%Noninterest $31.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.22%, up 49 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 1.10% of loans (-6 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 16.49%, down 79 bps from a year ago.
  • Funding: loans stand at 89.83% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.22%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+36 bps YoY

Efficiency Ratio (YTD, annualized)

36.25%-627 bps YoY

Tier 1 Leverage Ratio

16.49%-79 bps YoY

NIM

4.92%Q2 ’245.28%Q2 ’255.40%Q2 ’26+5%+11%

Non-interest income vs. expense

1.50%Q2 ’241.48%Q2 ’251.40%Q2 ’26+1%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.54%1.66%1.73%1.77%1.72%2.19%2.22%+49 bps
Return on Equity9.81%9.42%10.37%10.79%10.92%10.59%13.70%13.92%+313 bps
Net Interest Margin3.14%3.11%3.27%3.29%3.32%3.42%3.75%3.65%+36 bps
Efficiency Ratio43.34%44.75%43.55%42.53%42.56%44.21%36.29%36.25%-627 bps
Non-Interest Burden1.23%1.27%1.31%1.29%1.30%1.40%1.21%1.18%-10 bps
Growth
Asset Growth (YoY)7.13%6.05%7.51%9.85%9.56%9.71%11.53%14.23%+438 bps
Loan Growth (YoY)9.52%8.72%9.12%9.70%11.17%15.06%13.79%17.06%+737 bps
Deposit Growth (YoY)6.71%6.63%7.77%9.73%9.61%9.25%11.60%14.57%+484 bps
Asset Quality
Nonperforming Loans / Loans1.38%1.32%1.21%1.16%1.19%1.09%1.08%1.10%-6 bps
Net Charge-Offs / Loans0.03%0.03%0.00%-0.03%-0.01%-0.01%0.00%0.04%+7 bps
Allowance / Loans0.99%0.98%0.95%0.95%0.91%0.87%0.86%0.81%-15 bps
Allowance Coverage of NPLs0.7x0.7x0.8x0.8x0.8x0.8x0.8x0.7x-0.1x
Capital
Tier 1 Leverage Ratio17.92%17.40%17.21%17.27%17.38%16.87%16.96%16.49%-79 bps
Total Risk-Based Capital17.92%17.40%17.21%17.27%17.38%16.87%16.96%16.49%-79 bps
Equity / Assets16.83%16.05%15.89%16.14%16.70%16.25%15.76%15.85%-29 bps
Liquidity & Funding
Loans / Deposits89.81%88.49%86.95%87.91%91.09%93.20%88.66%89.83%+192 bps
Liquid Assets / Assets1.92%1.69%3.74%5.89%4.88%2.19%3.33%4.79%-110 bps
CRE / Total Capitaln/an/an/an/a44.43%45.83%44.75%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

Turbotville National Bank, The

Turbotville, PA · Cert 7789 · Peer group: banks under $1B in assets (n=581-629) · Turbotville National Bcorp Inc.

National charter · OCC · 1 branch

Q2 2026

$243.5MAssets
$181.5MLoans
$202.0MDeposits
$38.6MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 98% of banks under $1B in assets (rank 16 of 629).
  • Widest gap: nonperforming loans / loans trails 72% of banks under $1B in assets (rank 421 of 581).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

2.13%

Rank 65 of 629

Net Interest Margin

3.65%

Rank 282 of 629

Efficiency Ratio

36.25%

Rank 16 of 629

Equity / Assets

15.85%

Rank 123 of 629

Non-interest income vs. expense

$0.5M$3.4MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 98% of banks under $1B in assets
Bank 36.25%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.13%0.60%1.01%1.45%Beats 90%65 / 629
Return on Equity13.46%5.38%9.30%13.28%Beats 76%150 / 629
Net Interest Margin3.65%3.03%3.54%4.05%Beats 55%282 / 629
Efficiency Ratio36.25%58.35%67.79%79.08%Beats 98%16 / 629
Asset Quality
Nonperforming Loans / Loans1.10%0.09%0.46%1.20%Beats 28%421 / 581
Net Charge-Offs / Loans0.02%n/a0.01%0.06%Beats 41%346 / 581
Capital
Tier 1 Capital Ratio16.49%11.24%13.84%18.77%Beats 67%206 / 629
Total Risk-Based Capital Ratio16.49%11.58%14.43%19.66%Beats 64%228 / 629
Equity / Assets15.85%9.09%10.65%13.80%Beats 80%123 / 629
Liquidity & Funding
Loans / Deposits89.83%67.24%80.90%93.48%68th pctl188 / 594
Loans / Assets74.54%53.31%67.71%78.15%64th pctl224 / 629
Brokered Deposits / Depositsn/aNot reported for this institution