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Letter portraitLegal landscapeQuarterYTD

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