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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

4.47%Q2 ’244.93%Q2 ’255.09%Q2 ’26+16%+10%

Non-interest income vs. expense

1.85%Q2 ’241.84%Q2 ’251.85%Q2 ’260%-1%

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 1.80%, up 46 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 1.61% of loans (+82 bps YoY), with net recoveries of 0.01%.
  • 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 (quarter, annualized)

1.80%+46 bps YoY

Net Interest Margin (quarter, annualized)

3.75%+35 bps YoY

Efficiency Ratio (quarter, annualized)

45.26%-438 bps YoY

Tier 1 Leverage Ratio

16.97%+44 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.54%1.13%1.64%1.80%+46 bps
Return on Equity8.59%9.74%7.10%10.23%11.10%+250 bps
Net Interest Margin3.40%3.57%3.59%3.58%3.75%+35 bps
Efficiency Ratio49.64%51.06%55.81%46.92%45.26%-438 bps
Non-Interest Burden1.54%1.67%1.87%1.53%1.52%-2 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 / Loans-0.02%0.09%0.01%0.02%-0.01%+1 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