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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 $2.5MQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $171.0M15%Noninterest $31.0MQ2 2025Q2 2026

NIM

5.02%Q2 ’245.39%Q2 ’255.56%Q2 ’26+6%+11%

Non-interest income vs. expense

1.53%Q2 ’241.49%Q2 ’251.44%Q2 ’26-3%-4%

Executive Summary

  • Earnings: ROA of 2.24%, up 45 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 1.10% of loans (-6 bps YoY), with net charge-offs at 0.08%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

2.24%+45 bps YoY

Net Interest Margin (quarter, annualized)

3.77%+39 bps YoY

Efficiency Ratio (quarter, annualized)

36.21%-534 bps YoY

Tier 1 Leverage Ratio

16.49%-79 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.79%1.84%1.58%2.19%2.24%+45 bps
Return on Equity11.19%11.22%9.58%13.70%14.16%+297 bps
Net Interest Margin3.38%3.50%3.99%3.75%3.77%+39 bps
Efficiency Ratio41.56%42.61%48.23%36.29%36.21%-534 bps
Non-Interest Burden1.29%1.38%1.81%1.21%1.23%-6 bps
Growth
Asset Growth (YoY)9.85%9.56%9.71%11.53%14.23%+438 bps
Loan Growth (YoY)9.70%11.17%15.06%13.79%17.06%+737 bps
Deposit Growth (YoY)9.73%9.61%9.25%11.60%14.57%+484 bps
Asset Quality
Nonperforming Loans / Loans1.16%1.19%1.09%1.08%1.10%-6 bps
Net Charge-Offs / Loans-0.06%0.01%0.00%0.00%0.08%+13 bps
Allowance / Loans0.95%0.91%0.87%0.86%0.81%-15 bps
Allowance Coverage of NPLs0.8x0.8x0.8x0.8x0.7x-0.1x
Capital
Tier 1 Leverage Ratio17.27%17.38%16.87%16.96%16.49%-79 bps
Total Risk-Based Capital17.27%17.38%16.87%16.96%16.49%-79 bps
Equity / Assets16.14%16.70%16.25%15.76%15.85%-29 bps
Liquidity & Funding
Loans / Deposits87.91%91.09%93.20%88.66%89.83%+192 bps
Liquid Assets / Assets5.89%4.88%2.19%3.33%4.79%-110 bps
CRE / Total Capitaln/a44.43%45.83%44.75%n/an/a