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West Milton State Bank

West Milton, PA · Cert 8421

FDIC · 7 branches

Q3 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q3 2025, the quarter ended September 30, 2025, 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=535 to 585). 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

10

Q2 2024Q3 2025peer median (50)

Asset Quality

24

Q2 2024Q3 2025peer median (50)

Profitability

13

Q2 2024Q3 2025peer median (50)

Liquidity

95

Q2 2024Q3 2025peer median

Efficiency

14

Q2 2024Q3 2025peer 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

West Milton State Bank

West Milton, PA · Cert 8421

FDIC · 7 branches

Q3 2025

$587.3MAssets
$400.1MLoans
$501.0MDeposits
$36.3MEquity
Loan mix
93%RE $365.7M5%C&I $20.9M1%Consumer $4.6MQ4 2023Q3 2025
Deposit mix
94%Interest-bearing $470.7M6%Noninterest $30.4MQ4 2023Q3 2025

Market Position · Williamsport, PA · 2025 SOD (annual) · 0.7% share · #10 of 11 inst. · $0.0B of $3.1B

29.2% Union
6.4% Northumberland
2.4% Snyder
0.7% Lycoming

Executive Summary

  • Earnings: ROA of 0.01%, down 37 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.56% of loans (+17 bps YoY), with net charge-offs at 0.73%.
  • Capital: tier 1 leverage ratio of 8.28%, down 26 bps from a year ago.
  • Funding: loans stand at 79.85% of deposits as of Q3 2025.

Return on Assets (YTD, annualized)

0.01%-37 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+52 bps YoY

Efficiency Ratio (YTD, annualized)

88.04%+230 bps YoY

Tier 1 Leverage Ratio

8.28%-26 bps YoY

NIM

4.12%Q3 ’234.67%Q3 ’244.93%Q3 ’25-2%+22%

Non-interest income vs. expense

2.39%Q3 ’232.35%Q3 ’242.88%Q3 ’25-1%+27%

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.39%0.29%0.34%0.37%0.41%0.55%0.55%0.01%-37 bps
Return on Equity7.59%5.11%5.95%6.38%6.96%9.36%9.15%0.09%-630 bps
Net Interest Margin2.34%2.32%2.33%2.34%2.39%2.69%2.76%2.87%+52 bps
Efficiency Ratio84.38%88.71%87.14%85.73%83.02%79.93%80.14%88.04%+230 bps
Non-Interest Burden1.91%2.01%1.98%1.95%1.91%2.07%2.14%2.47%+52 bps
Growth
Asset Growth (YoY)5.54%3.08%3.43%4.32%0.35%2.82%-0.08%-1.39%-570 bps
Loan Growth (YoY)11.72%7.21%6.39%6.15%6.77%9.13%6.09%3.22%-293 bps
Deposit Growth (YoY)-2.76%-7.18%-4.93%-4.61%-1.83%5.29%4.32%1.25%+586 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.37%0.38%0.40%0.39%0.29%0.35%0.56%+17 bps
Net Charge-Offs / Loans0.06%0.00%0.00%0.01%0.01%0.04%0.04%0.73%+72 bps
Allowance / Loans0.89%0.90%0.88%0.86%0.88%0.85%0.85%0.80%-6 bps
Allowance Coverage of NPLs4.3x2.4x2.3x2.2x2.2x3.0x2.4x1.4x-0.7x
Capital
Tier 1 Leverage Ratio8.44%8.52%8.57%8.53%8.64%8.61%8.66%8.28%-26 bps
Total Risk-Based Capital11.23%11.39%11.25%11.24%11.41%11.30%11.37%10.89%-35 bps
Equity / Assets5.77%5.65%5.69%6.38%5.78%5.97%6.17%6.18%-20 bps
Liquidity & Funding
Loans / Deposits73.95%75.70%77.78%78.32%80.43%78.46%79.10%79.85%+153 bps
Liquid Assets / Assets0.11%0.35%0.26%0.24%0.23%0.35%0.34%0.23%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a398%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

West Milton State Bank

West Milton, PA · Cert 8421 · Peer group: banks under $1B in assets (n=535-585)

FDIC · 7 branches

Q3 2025

$587.3MAssets
$400.1MLoans
$501.0MDeposits
$36.3MEquity

Executive Summary

  • Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets (rank 316 of 546).
  • Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 562 of 584).
  • Overall: at or above the peer median on 1 of 10 directional measures.

Return on Assets

0.01%

Rank 537 of 585

Net Interest Margin

2.87%

Rank 454 of 584

Efficiency Ratio

88.04%

Rank 506 of 584

Equity / Assets

6.18%

Rank 562 of 584

Non-interest income vs. expense

$2.5M$17.4MINCOMEEXPENSE
Unfavorable gap of $14.9M · efficiency ratio beats 14% of banks under $1B in assets
Bank 88.04%Peer median 67.6%Q2 2024Q3 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.01%0.60%0.98%1.45%Beats 8%537 / 585
Return on Equity0.08%5.86%9.54%12.76%Beats 8%537 / 584
Net Interest Margin2.87%2.90%3.43%3.93%Beats 22%454 / 584
Efficiency Ratio88.04%57.87%67.56%78.72%Beats 14%506 / 584
Asset Quality
Nonperforming Loans / Loans0.56%0.06%0.38%1.05%Beats 42%313 / 535
Net Charge-Offs / Loans0.55%0.00%0.02%0.10%Beats 5%511 / 535
Capital
Tier 1 Capital Ratio10.24%11.47%13.94%18.44%Beats 11%522 / 584
Total Risk-Based Capital Ratio10.89%11.93%14.43%19.34%Beats 15%497 / 584
Equity / Assets6.18%8.74%10.51%13.41%Beats 4%562 / 584
Liquidity & Funding
Loans / Deposits79.85%63.70%78.89%91.92%52nd pctl261 / 546
Loans / Assets68.12%55.77%68.46%77.90%49th pctl271 / 535
Brokered Deposits / Deposits0.00%n/an/a4.01%Beats 100%316 / 546n/a