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Letter portraitLegal landscapeQuarterYTD

Bank of Landisburg, The

Landisburg, PA · Cert 90384

State charter, Fed member · FED · 4 branches

Q2 2026

$417.1MAssets
$275.6MLoans
$347.7MDeposits
$67.9MEquity
Loan mix
94%RE $253.1M3%C&I $9.1M2%Consumer $6.2MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $270.5M22%Noninterest $77.2MQ2 2025Q2 2026

NIM

4.39%Q2 ’244.79%Q2 ’255.05%Q2 ’26+15%+12%

Non-interest income vs. expense

1.84%Q2 ’241.80%Q2 ’251.83%Q2 ’26-4%+2%

Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 1.7% share · #14 of 25 inst. · $0.3B of $20.2B

Executive Summary

  • Earnings: ROA of 1.72%, up 36 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 1.61% of loans (+82 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.97%, up 44 bps from a year ago.
  • Funding: loans stand at 79.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+40 bps YoY

Efficiency Ratio (YTD, annualized)

46.07%-429 bps YoY

Tier 1 Leverage Ratio

16.97%+44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.37%1.42%1.35%1.64%1.72%+36 bps
Return on Equity8.82%9.11%8.61%10.23%10.68%+186 bps
Net Interest Margin3.27%3.34%3.35%3.58%3.67%+40 bps
Efficiency Ratio50.36%50.61%51.99%46.92%46.07%-429 bps
Non-Interest Burden1.49%1.54%1.60%1.53%1.52%+3 bps
Growth
Asset Growth (YoY)5.12%3.59%4.55%4.60%3.33%-179 bps
Loan Growth (YoY)2.67%4.60%2.87%3.02%1.91%-76 bps
Deposit Growth (YoY)4.61%2.73%3.49%3.90%2.52%-209 bps
Asset Quality
Nonperforming Loans / Loans0.79%0.87%1.31%1.77%1.61%+82 bps
Net Charge-Offs / Loans0.00%0.03%0.03%0.02%0.00%0 bps
Allowance / Loans1.08%1.04%1.15%1.15%1.14%+6 bps
Allowance Coverage of NPLs1.4x1.2x0.9x0.6x0.7x-0.7x
Capital
Tier 1 Leverage Ratio16.53%16.68%16.29%16.73%16.97%+44 bps
Total Risk-Based Capital16.53%16.68%16.29%16.73%16.97%+44 bps
Equity / Assets15.65%16.00%15.93%16.20%16.28%+62 bps
Liquidity & Funding
Loans / Deposits79.72%78.94%78.15%78.27%79.24%-48 bps
Liquid Assets / Assets4.86%5.96%4.01%3.57%2.81%-206 bps
CRE / Total Capitaln/a73.04%71.62%70.51%n/an/a