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Nextier Bank, NA

Kittanning, PA · Cert 7900 · Nextier Inc.

National charter · OCC · 32 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets (n=322 to 328). 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

42

Q2 2024Q2 2026peer median (50)

Asset Quality

49

Q2 2024Q2 2026peer median (50)

Profitability

59

Q2 2024Q2 2026peer median (50)

Liquidity

95

Q2 2024Q2 2026peer median

Efficiency

77

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

Nextier Bank, NA

Kittanning, PA · Cert 7900 · Nextier Inc.

National charter · OCC · 32 branches

Q2 2026

$2.9BAssets
$2.2BLoans
$2.5BDeposits
$311.7MEquity
Loan mix
80%RE $1.7B8%C&I $0.2B11%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $2.0B19%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.01%Q2 ’245.41%Q2 ’255.25%Q2 ’26+19%+3%

Non-interest income vs. expense

2.00%Q2 ’241.84%Q2 ’251.90%Q2 ’26-11%+0%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 1.1% share · #11 of 48 inst. · $2.4B of $209.3B

17.7% Butler
41.3% Armstrong
0.2% Allegheny
2.7% Clearfield

Executive Summary

  • Earnings: ROA of 1.38%, up 7 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 1.49% of loans (+41 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.64%, up 58 bps from a year ago.
  • Funding: loans stand at 86.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+12 bps YoY

Efficiency Ratio (YTD, annualized)

49.24%-54 bps YoY

Tier 1 Leverage Ratio

9.64%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.38%1.41%1.27%1.38%+7 bps
Return on Equity13.54%14.02%14.22%12.31%13.27%-28 bps
Net Interest Margin3.34%3.31%3.24%3.37%3.45%+12 bps
Efficiency Ratio49.78%48.13%48.32%50.55%49.24%-54 bps
Non-Interest Burden1.58%1.46%1.44%1.61%1.58%0 bps
Growth
Asset Growth (YoY)4.48%4.64%1.69%0.36%3.79%-69 bps
Loan Growth (YoY)2.99%3.95%3.89%3.68%2.08%-90 bps
Deposit Growth (YoY)8.77%4.38%0.94%0.31%4.31%-447 bps
Asset Quality
Nonperforming Loans / Loans1.07%1.34%1.25%1.55%1.49%+41 bps
Net Charge-Offs / Loans-0.01%0.00%0.05%-0.01%0.00%+1 bps
Allowance / Loans1.09%1.10%1.03%1.06%1.07%-2 bps
Allowance Coverage of NPLs1.0x0.8x0.8x0.7x0.7x-0.3x
Capital
Tier 1 Leverage Ratio9.05%9.20%8.77%9.29%9.64%+58 bps
Total Risk-Based Capital12.44%12.69%12.45%12.90%13.27%+82 bps
Equity / Assets10.14%10.16%10.07%10.56%10.65%+51 bps
Liquidity & Funding
Loans / Deposits88.67%86.21%86.00%88.54%86.78%-189 bps
Liquid Assets / Assets3.77%6.49%5.44%3.11%5.14%+136 bps
CRE / Total Capitaln/a417%419%412%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

Nextier Bank, NA

Kittanning, PA · Cert 7900 · Peer group: banks $1B-$10B in assets (n=322-328) · Nextier Inc.

National charter · OCC · 32 branches

Q2 2026

$2.9BAssets
$2.2BLoans
$2.5BDeposits
$311.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 82% of banks $1B-$10B in assets (rank 61 of 322).
  • Widest gap: nonperforming loans / loans trails 85% of banks $1B-$10B in assets (rank 274 of 322).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.37%

Rank 116 of 328

Net Interest Margin

3.45%

Rank 164 of 328

Efficiency Ratio

50.94%

Rank 75 of 328

Equity / Assets

10.65%

Rank 149 of 328

Non-interest income vs. expense

$9.2M$55.2MINCOMEEXPENSE
Unfavorable gap of $46.0M · efficiency ratio beats 77% of banks $1B-$10B in assets
Bank 50.94%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.37%0.91%1.22%1.52%Beats 65%116 / 328
Return on Equity12.88%8.43%11.45%14.43%Beats 62%124 / 328
Net Interest Margin3.45%3.03%3.45%3.83%Beats 50%164 / 328
Efficiency Ratio50.94%51.61%59.56%67.53%Beats 77%75 / 328
Asset Quality
Nonperforming Loans / Loans1.49%0.24%0.51%1.03%Beats 15%274 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 82%61 / 322
Capital
Tier 1 Capital Ratio12.11%11.75%13.15%15.47%Beats 34%218 / 328
Total Risk-Based Capital Ratio13.27%12.63%14.15%16.46%Beats 36%210 / 328
Equity / Assets10.65%9.15%10.33%12.01%Beats 55%149 / 328
Liquidity & Funding
Loans / Deposits86.78%76.63%87.92%95.36%48th pctl168 / 323
Loans / Assets75.36%65.18%74.15%79.98%56th pctl145 / 328
Brokered Deposits / Depositsn/aNot reported for this institution