Rank The Banks. Pennsylvania 2018 Q2

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1 Rank The Banks Pennsylvania 2018 Q2

2 Disclosure Statement This material has been prepared by Banks Street Partners, LLC and its affiliate BSP Securities, LLC (collectively, BSP ) from certain publicly available data and third-party subscriptions. It is not investment research or a research recommendation, as it does not constitute substantive research or analysis. It is provided for informational purposes, intended for your use only, and does not constitute an invitation or offer to subscribe for or purchase any of the products or services mentioned. The information provided is not intended to provide a sufficient basis on which to make an investment decision. The information provided herein is as of the dates disclosed and does not constitute forward looking statements. The conclusions supported by this information is subject to change at any time without notice. BSP may, from time to time, participate or invest in transactions with issuers of securities that participate in the markets referred to herein, perform services for or solicit business from such issuers, and/or have a position or effect transactions in the securities or derivatives thereof. Past performance should not be taken as an indication or guarantee of future performance, and no representation or warranty, expressed or implied is made regarding future performance. The information set forth above has been obtained from or based upon sources believed by BSP to be reliable, but BSP do not represent or warrant its accuracy or completeness and is not responsible for losses or damages arising out of errors, omissions or changes in market factors. This material does not purport to contain all of the information that an interested party may desire and, in fact, provides only a limited view of a particular market. IRS Circular 230 Disclosure: BSP and its affiliates do not provide tax advice. Accordingly, any discussion of U.S. tax matters included herein (including any attachments) is not intended or written to be used, and cannot be used, in connection with the promotion, marketing or recommendation by anyone not affiliated with BSP of any of the matters addressed herein or for the purpose of avoiding U.S. tax-related penalties. This presentation is not to be considered a solicitation to buy or sell any securities and does not constitute a commitment by any BSP entity to underwrite, subscribe for or place any securities or to arrange credit or to provide any other services. 2

3 Banks Street Partners Professionals Seasoned professionals with more than 190 years of combined experience and more than 500 transactions in the financial services industry ATLANTA CHARLOTTE Lee Burrows Chief Executive Officer (404) Berkeley McKeown Associate (404) Gary McNorrill President (704) Mark Saunders Managing Director (404) Johnny Bond Analyst (404) Andy Hitt Managing Director (919) Jeff Adams Managing Director (404) Asher Kenen Analyst (404) Matt Kennedy Vice President (704) Will Brackett Senior Vice President (404) Nicole Mansfield Business Manager (404) Robby Rucho Analyst (404) Drew Taylor Senior Associate (404) Alison Pickett Executive Assistant (404) Kristen Ertz Project Manager & Human Resources (704)

4 Rankings Per State Bank Listing Company Name - City - Parent Company - Date Established - Number of Offices - Employees - S Corp? - - ROAA - ROAE Top 50 Ranking by City - Employees- Number of Offices - Deposits - Deposits/Office - /Office - Deposits/Employee - /Employee - Net Interest Margin City - - Yield on Loans - Loan Growth Rate - Cost of Funds - Deposit Growth Rate - Loans/Deposits - Yield on Investment Securities (FTE) - Net Interest Margin Noninterest Income City - - Net Income - Service Charge on Deposits/Avg - Gain on Sale of Loans/Avg. - Net Servicing Fees/Avg - Net Gains on OREO/Avg. - Noninterest Income - Noninterest Income/Avg Overhead City - - Efficiency Ratio (FTE) - Employees - Number of Offices - Personnel Expense/Avg. - Occupancy Expense/Avg. - Other Expense/Avg. - Overhead/Avg Asset Quality City - - Gross Loans - LLR/Gross Loans - Adj Loans 30-89PD/Gross Loans - Adj 90+ PD/Gross Loans - Adj NPLs + Adj OREO/Gross Loans - NCO/Avg Loans - Asset Quality Composite ROAE City - - LTM Net Income - Employees - LTM Net Income/Employee 2017Q2 LTM Net Income Q2 LTM Net Income - ROAA - ROAE Overall City - - Net Interest Margin Rank - Noninterest Income Rank - Overhead Rank - Asset Quality Rank - ROAE Rank - Overall Rank 4

5 Excluded Banks & Calculation Notes Excluded Banks: Excluded banks are usually special-purpose banks (such as trust banks), subsidiaries of foreign companies, or companies for which necessary data is not available as of this report First National Trust Company Glenmede Trust Company, NA Haverford Trust Company Philadelphia Trust Co. SEI Private Trust Co. Vanguard National Trust Company, NA Calculation Notes: All data in this report is bank level and is as of or for the 12 months ending June 30, 2018 (unless noted otherwise) For banks that elect subchapter S status, return on average assets and return on average equity are adjusted to reflect the impact of a 30% corporate tax rate (The corporate tax rate is calculated using the average of a 35% corporate tax rate for quarters in 2017 and a 25% corporate tax rate for quarters in 2018) Asset quality index is the sum of: (Adjusted Loans PD/Loans) + (Adjusted Loans 90 PD/Loans )+ (Adjusted NPLs/Loans) + (Adjusted OREO/Loans) + (Net Chargeoffs/Avg Loans). Adjustments are made to exclude loans for which repayment of principal is wholly or partially guaranteed by the US government Overall ranking is based on an unweighted average of Net Interest Margin rank, Noninterest Income rank, Overhead rank, Asset Quality rank and ROAE rank As usual, this quarter s BSP Rank The Banks utilizes only reported numbers per call reports filed by the institutions with regulators. LTM figures for some companies in this report may include material one-time charges incurred in the fourth quarter of 2017 primarily related to the change in tax laws 5

6 Pennsylvania Bank Listing Company Name City Parent Company Date Established Number of Offices Employees 1st Summit Bank Johnstown 1st Summit Bancorp of Johnstown, Inc. 01/01/ No 1,031, ACNB Bank Gettysburg ACNB Corporation 4/11/ No 1,611, Altoona First Savings Bank Altoona 01/01/ No 219, Ambler Savings Bank Ambler 1/1/ No 398, American Bank Allentown American Bank Incorporated 06/05/ No 642, AmeriServ Financial Bank Johnstown AmeriServ Financial, Inc. 09/23/ No 1,164, Apollo Trust Company Apollo Apollo Bancorp, Inc. 5/27/ No 166, Armstrong County Building and Loan Association Ford City 01/01/ No 86, Asian Bank Philadelphia Asian Financial Corporation 06/09/ No 197, Atlantic Community Bankers Bank Camp Hill Atlantic Community Bancshares, Inc. 11/21/ No 701, Bank of Bird-in-Hand Bird in Hand 12/02/ No 308, Bank of Landisburg Landisburg 10/19/ No 280, Beneficial Bank Philadelphia Beneficial Bancorp, Inc. 4/20/ No 5,770, BNY Mellon, National Association Pittsburgh Bank of New York Mellon Corporation 1/1/ ,850 No 23,481, Brentwood Bank Bethel Park Mutual Holding Company of Western Pennsylvania 01/01/ No 627, Bryn Mawr Trust Company Bryn Mawr Bryn Mawr Bank Corporation 3/25/ No 4,378, Centric Bank Harrisburg Centric Financial Corporation 11/01/ No 680, cfsbank Charleroi Charleroi Financial MHC 01/01/ No 498, Citizens & Northern Bank Wellsboro Citizens & Northern Corporation 1/1/ No 1,269, Citizens Bank of Pennsylvania Philadelphia Citizens Financial Group, Inc. 12/01/ ,823 No 35,593, Citizens Savings Bank Clarks Summit 07/17/ No 328, Clarion County Community Bank Clarion 01/07/ No 154, CNB Bank Clearfield CNB Financial Corporation 2/5/ No 2,989, Coatesville Savings Bank Coatesville 01/01/ No 211, Commercial Bank & Trust of PA Latrobe Commercial National Financial Corporation 05/04/ No 410, Community Bank Carmichaels CB Financial Services, Inc. 07/01/ No 1,230, Community First Bank Reynoldsville Community First Bancorp, Inc. 4/20/ No 126, Community State Bank of Orbisonia Orbisonia Orbisonia Community Bancorp, Inc. 01/11/ No 336, Compass Savings Bank Wilmerding 01/01/ No 58, County Savings Bank Essington 01/01/ No 84, Covenant Bank Doylestown Covenant Financial Inc. 11/07/ No 480, Customers Bank Phoenixville Customers Bancorp, Inc. 06/26/ No 11,089, Dime Bank Honesdale Dimeco, Inc. 01/01/ No 658, DNB First, National Association Downingtown DNB Financial Corporation 9/3/ No 1,133, Dollar Bank, Federal Savings Bank Pittsburgh 7/19/ ,345 No 8,391, Elderton State Bank Elderton Keystrong Financial, Inc. 06/10/ No 270, Embassy Bank for the Lehigh Valley Bethlehem Embassy Bancorp, Inc. 11/06/ No 1,066, Enterprise Bank Allison Park Enterprise Financial Services Group, Inc 10/23/ No 286, Ephrata National Bank Ephrata ENB Financial Corp 3/17/ No 1,049, ESSA Bank & Trust Stroudsburg ESSA Bancorp, Inc. 01/01/ No 1,821, Farmers and Merchants Trust Company of Chambersburg Chambersburg Franklin Financial Services Corporation 02/05/ No 1,174,475 (0.43) (4.29) Farmers Building and Savings Bank Rochester 6/30/ No 93, Farmers National Bank of Emlenton Emlenton Emclaire Financial Corp 07/01/ No 774, Fidelity Deposit and Discount Bank Dunmore Fidelity D & D Bancorp, Inc. 05/11/ No 923, Fidelity Savings and Loan Association of Bucks County Bristol 1/1/ No 87, S Corp (Yes/No) ROAA ROAE 6

7 Pennsylvania Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees First Bank of Lilly Lilly 1/1/ No 20, First Citizens Community Bank Mansfield Citizens Financial Services, Inc. 6/11/ No 1,396, First Columbia Bank & Trust Co. Bloomsburg CCFNB Bancorp, Inc. 8/1/ No 721, First Commonwealth Bank Indiana First Commonwealth Financial Corporation 9/21/ ,438 No 7,630, First Community Bank of Mercersburg Mercersburg Mercersburg Financial Corporation 2/1/ No 183, First Federal Savings and Loan Assoc. of Greene County Waynesburg 3/13/ No 902, First Keystone Community Bank Berwick First Keystone Corporation 9/23/ No 1,009, First National Bank and Trust Company of Newtown Newtown FNB Bancorp, Inc. 2/25/ No 973, First National Bank of Pennsylvania Pittsburgh F.N.B. Corporation 2/4/ ,284 No 32,066, First Northern Bank and Trust Company Palmerton Palm Bancorp 1/6/ No 703, First Priority Bank Malvern Mid Penn Bancorp, Inc. 11/14/ No 627, First Resource Bank Exton 5/2/ No 271, First United National Bank Fryburg Fryburg Banking Company, Inc. 8/2/ No 265, Firstrust Savings Bank Conshohocken Semperverde Holding Company 1/1/ Yes 3,269, Fleetwood Bank Fleetwood Fleetwood Bank Corporation 12/7/ No 257, FNB Bank, National Association Danville Fulton Financial Corporation 1/25/ No 354, FNCB Bank Dunmore FNCB Bancorp, Inc. 1/1/ No 1,237, Fulton Bank, National Association Lancaster Fulton Financial Corporation 1/1/ ,290 No 11,620, Gratz Bank Gratz GNB Financial Services, Inc. 11/3/ No 316, Greenville Savings Bank Greenville 1/1/ No 240, Hamlin Bank and Trust Company Smethport 12/31/ No 421, Harleysville Bank Harleysville Harleysville Financial Corporation 2/16/ No 782, Hatboro Federal Savings, FA Hatboro 6/30/ No 496, Hometown Bank of Pennsylvania Bedford 4/9/ No 173, Honesdale National Bank Honesdale Honat Bancorp, Inc. 12/26/ No 638, Huntingdon Savings Bank Huntingdon 1/1/ No 18, Huntingdon Valley Bank Huntingdon Valley HV Bancorp, Inc. 1/1/ No 291, Hyperion Bank Philadelphia 11/20/ No 87,595 (1.53) (16.72) InFirst Bank Indiana InFirst Bancorp, MHC 1/1/ No 395, Investment Savings Bank Altoona 1/1/ No 106, Iron Workers Savings Bank Aston 1/1/ No 179, Jersey Shore State Bank Williamsport Penns Woods Bancorp, Inc. 5/15/ No 1,191, Jim Thorpe Neighborhood Bank Jim Thorpe JTNB Bancorp, Inc. 8/25/ No 192, Jonestown Bank and Trust Co. Jonestown 1/1/ No 587, Juniata Valley Bank Mifflintown Juniata Valley Financial Corp. 8/5/ No 630, Kish Bank Belleville Kish Bancorp, Inc. 1/1/ No 841, Lafayette Ambassador Bank Bethlehem Fulton Financial Corporation 8/22/ No 1,524, Landmark Community Bank Pittston Landmark Bancorp, Inc. 3/1/ No 340, Luzerne Bank Luzerne Penns Woods Bancorp, Inc. 11/19/ No 414, Malvern Bank, National Association Paoli Malvern Bancorp, Inc. 12/12/ No 1,052, Marion Center Bank Indiana Community Bankers' Corporation 7/6/ No 305, Marquette Savings Bank Erie 5/27/ No 858, Mars Bank Mars Mars Bancorp, Inc. 10/16/ No 397, Mauch Chunk Trust Company Jim Thorpe Mauch Chunk Trust Financial Corp. 8/25/ No 434, MCS Bank Lewistown 12/21/ No 141, S Corp (Yes/No) ROAA ROAE 7

8 Pennsylvania Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees Mercer County State Bank Sandy Lake Mercer County State Bancorp, Inc. 6/20/ No 405, Merchants Bank of Bangor Bangor MNB Corporation 10/8/ No 397, Meridian Bank Malvern 7/8/ No 945, Mid Penn Bank Millersburg Mid Penn Bancorp, Inc. 9/24/ No 1,415, Mifflinburg Bank & Trust Company Mifflinburg Mifflinburg Bancorp, Inc. 6/15/ No 435, Milton Savings Bank Milton 1/1/ No 65, Monument Bank Doylestown Monument Bancorp, Inc. 2/22/ No 347, Muncy Bank and Trust Company Muncy Muncy Bank Financial, Inc. 11/1/ No 451, National Bank of Malvern Malvern Malvern Bank Corporation 4/7/ No 151, Neffs National Bank Neffs Neffs Bancorp, Inc. 4/3/ No 355, New Tripoli Bank New Tripoli New Tripoli Bancorp, Inc. 3/1/ No 463, NexTier Bank, National Association Butler NexTier Incorporated 1/1/ No 1,249, Noah Bank Elkins Park 7/17/ No 399, Northumberland National Bank Northumberland Northumberland Bancorp 11/2/ No 524, Northwest Bank Warren Northwest Bancshares, Inc. 1/1/ ,118 No 9,641, Orrstown Bank Shippensburg Orrstown Financial Services, Inc. 5/1/ No 1,641, Penn Community Bank Doylestown Penn Community Mutual Holdings Inc. 6/22/ No 2,074, PennCrest BANK Altoona 1/1/ No 180, Pennian Bank Mifflintown First Community Financial Corporation 1/1/ No 506, Peoples Security Bank and Trust Company Scranton Peoples Financial Services Corp. 1/1/ No 2,233, PeoplesBank, A Codorus Valley Company York Codorus Valley Bancorp, Inc. 1/25/ No 1,775, Phoenixville Federal Bank and Trust Phoenixville 1/1/ No 452, Port Richmond Savings Philadelphia 1/1/ No 69, Prudential Bank Philadelphia Prudential Bancorp, Inc. 1/1/ No 1,028, PS Bank Wyalusing Peoples Limited 12/14/ No 369, QNB Bank Quakertown QNB Corp. 7/21/ No 1,163, Quaint Oak Bank Southampton Quaint Oak Bancorp, Inc. 1/1/ No 256, Reliance Savings Bank Altoona Reliance Bancorp, MHC 1/1/ No 491, Republic First Bank Philadelphia Republic First Bancorp, Inc. 9/6/ No 2,546, Riverview Bank Marysville Riverview Financial Corporation 8/6/ No 1,151, S&T Bank Indiana S&T Bancorp, Inc. 5/21/ ,041 No 7,077, Second Federal Savings and Loan Assoc. of Philadelphia Philadelphia 1/1/ No 12,620 (2.99) (6.72) Sewickley Savings Bank Sewickley 1/1/ No 313, Sharon Bank Darby Sharon MHC 12/2/ No 153,048 (1.18) (9.90) Slovenian Savings and Loan Assoc. of Canonsburg Strabane 1/1/ No 391, Slovenian S&L Assoc. of Franklin-Conemaugh Conemaugh 1/1/ No 132, Somerset Trust Company Somerset Somerset Trust Holding Company 1/1/ No 1,201, SSB Bank (MHC) Pittsburgh SSB Bancorp, MHC 1/1/ No 172, Standard Bank, PaSB Monroeville Standard AVB Financial Corp. 1/1/ No 980, Stonebridge Bank West Chester Stonebridge Financial Corp. 2/26/ No 55,225 (2.00) (30.32) Susquehanna Community Bank West Milton Susquehanna Community Financial, Inc. 3/13/ No 403, Swineford National Bank Hummels Wharf Fulton Financial Corporation 10/16/ No 326, Tioga Franklin Savings Bank Philadelphia 3/31/ No 39, TriState Capital Bank Pittsburgh TriState Capital Holdings, Inc. 1/22/ No 5,143, Turbotville National Bank Turbotville Turbotville National Bancorp, Inc. 2/1/ No 141, S Corp (Yes/No) ROAA ROAE 8

9 Pennsylvania Bank Listing, continued Company Name City Parent Company Date Established Number of Offices Employees UNB Bank Mount Carmel UNB Corporation 12/12/ No 140, Union Building and Loan Savings Bank West Bridgewater 1/1/ No 32, Union Community Bank Mount Joy Donegal Mutual Insurance Company 9/12/ No 560, United Bank of Philadelphia Philadelphia United Bancshares, Inc. 3/23/ No 55,473 (0.60) (10.79) United Savings Bank Philadelphia 5/29/ No 356, Univest Bank and Trust Co. Souderton Univest Corporation of Pennsylvania 4/1/ No 4,722, Victory Bank Limerick Victory Bancorp, Inc. 1/16/ No 231, VIST Bank Wyomissing Tompkins Financial Corporation 1/1/ No 1,708, Washington Financial Bank Washington WFSB Mutual Holding Company 1/1/ No 1,119, Washington Savings Bank Philadelphia 5/4/ No 162, Wayne Bank Honesdale Norwood Financial Corp. 1/1/ No 1,151, West View Savings Bank Pittsburgh WVS Financial Corp. 1/1/ No 352, Westmoreland Federal Savings and Loan Association Latrobe 3/12/ No 168, William Penn Bank, (MHC) Levittown William Penn, MHC 1/1/ No 301, Woodlands Bank Williamsport Woodlands Financial Services Company 10/10/ No 401, York Traditions Bank York 10/28/ No 455, S Corp (Yes/No) ROAA ROAE 9

10 Pennsylvania Asset Ranking Rank Company Name City Employees Number of Offices 10 Deposits Deposits / Office / Office Deposits / Employee / Employee 1 Citizens Bank of Pennsylvania Philadelphia 2, ,679,325 91, ,281 11,222 12,608 35,593,761 2 First National Bank of Pennsylvania Pittsburgh 4, ,710,756 56,076 79,178 5,301 7,485 32,066,932 3 BNY Mellon, National Association Pittsburgh 1, ,596, , ,620 8,971 12,692 23,481,080 4 Fulton Bank, National Association Lancaster 1, ,618,854 76, ,757 6,681 9,008 11,620,754 5 Customers Bank Phoenixville ,393, , ,272 8,994 13,490 11,089,073 6 Northwest Bank Warren 2, ,198,018 47,387 55,729 3,871 4,552 9,641,093 7 Dollar Bank, Federal Savings Bank Pittsburgh 1, ,671,885 92, ,548 4,961 6,239 8,391,429 8 First Commonwealth Bank Indiana 1, ,924,936 42,625 54,895 4,120 5,306 7,630,340 9 S&T Bank Indiana 1, ,417,613 91, ,949 5,204 6,798 7,077, Beneficial Bank Philadelphia ,309,819 69,513 93,076 5,476 7,333 5,770, TriState Capital Bank Pittsburgh ,453,895 2,226,948 2,571,774 24,338 28,107 5,143, Univest Bank and Trust Co. Souderton ,698,012 75,470 96,382 4,834 6,173 4,722, Bryn Mawr Trust Company Bryn Mawr ,428,062 77,911 99,512 5,258 6,716 4,378, Firstrust Savings Bank Conshohocken ,479, , ,656 4,939 6,514 3,269, CNB Bank Clearfield ,401,969 57,190 71,186 4,728 5,885 2,989, Republic First Bank Philadelphia ,165,121 86, ,855 4,607 5,418 2,546, Peoples Security Bank and Trust Company Scranton ,722,578 61,521 79,766 4,417 5,727 2,233, Penn Community Bank Doylestown ,435,518 57,421 82,968 4,311 6,229 2,074, ESSA Bank & Trust Stroudsburg ,284,709 55,857 79,187 4,638 6,575 1,821, PeoplesBank, A Codorus Valley Company York ,447,388 40,205 49,327 4,257 5,223 1,775, VIST Bank Wyomissing ,129,252 51,330 77,650 7,682 11,621 1,708, Orrstown Bank Shippensburg ,327,983 55,333 68,415 3,976 4,916 1,641, ACNB Bank Gettysburg ,345,001 46,379 55,566 4,164 4,989 1,611, Lafayette Ambassador Bank Bethlehem ,284,939 61,188 72,591 8,986 10,660 1,524, Mid Penn Bank Millersburg ,238,994 33,486 38,260 3,971 4,537 1,415, First Citizens Community Bank Mansfield ,126,193 41,711 51,740 4,315 5,352 1,396, Citizens & Northern Bank Wellsboro ,048,640 40,332 48,834 3,543 4,289 1,269, NexTier Bank, National Association Butler ,045,741 38,731 46,294 4,053 4,845 1,249, FNCB Bank Dunmore ,406 56,200 72,776 4,118 5,333 1,237, Community Bank Carmichaels ,025,847 36,637 43,929 3,901 4,677 1,230, Somerset Trust Company Somerset ,892 27,625 34,336 2,592 3,222 1,201, Jersey Shore State Bank Williamsport ,669 47,371 66,180 3,911 5,464 1,191, Farmers and Merchants Trust Company of Chambersburg Chambersburg ,058,312 44,096 48,936 4,070 4,517 1,174, AmeriServ Financial Bank Johnstown ,375 58,023 72,788 4,108 5,153 1,164, QNB Bank Quakertown ,726 82,144 96,947 5,188 6,123 1,163, Riverview Bank Marysville ,017,954 31,811 35,997 3,559 4,028 1,151, Wayne Bank Honesdale ,826 36,647 44,276 4,516 5,456 1,151, DNB First, National Association Downingtown ,633 62,309 75,599 5,597 6,790 1,133, Washington Financial Bank Washington ,459 97, ,960 5,436 6,220 1,119, Embassy Bank for the Lehigh Valley Bethlehem , , ,252 10,701 12,253 1,066, Malvern Bank, National Association Paoli ,885 88, ,944 9,033 11,960 1,052, Ephrata National Bank Ephrata ,227 54,952 65,584 3,281 3,915 1,049, st Summit Bank Johnstown ,466 56,467 64,440 5,076 5,792 1,031, Prudential Bank Philadelphia ,701 65,791 93,530 9,046 12,860 1,028, First Keystone Community Bank Berwick ,152 40,842 56,058 3,732 5,122 1,009, Standard Bank, PaSB Monroeville ,424 35,971 49,003 4,641 6, , First National Bank and Trust Company of Newtown Newtown ,617 54,289 60,857 5,568 6, , Meridian Bank Malvern ,250 97, ,062 2,372 3, , Fidelity Deposit and Discount Bank Dunmore ,176 64,931 76,945 4,258 5, , First Federal Savings and Loan Assoc. of Greene County Waynesburg ,707 95, ,861 6,293 7, ,887

11 Pennsylvania Net Interest Margin Ranking Rank Company Name City Yield on Loans 11 Loan Growth Rate Cost of Funds Deposit Growth Rate Loans/ Deposits Yield on Investment Securities (FTE) 1 Port Richmond Savings Philadelphia 69, (3.29) United Bank of Philadelphia Philadelphia 55, Hyperion Bank Philadelphia 87, (0.04) 0.96 (8.60) Victory Bank Limerick 231, Firstrust Savings Bank Conshohocken 3,269, Centric Bank Harrisburg 680, First Community Bank of Mercersburg Mercersburg 183, Honesdale National Bank Honesdale 638, Riverview Bank Marysville 1,151, Dime Bank Honesdale 658, (0.09) 0.56 (1.29) Union Community Bank Mount Joy 560, Northwest Bank Warren 9,641, Somerset Trust Company Somerset 1,201, Commercial Bank & Trust of PA Latrobe 410, (0.07) Community State Bank of Orbisonia Orbisonia 336, First Resource Bank Exton 271, Tioga Franklin Savings Bank Philadelphia 39, Union Building and Loan Savings Bank West Bridgewater 32, (3.29) Bryn Mawr Trust Company Bryn Mawr 4,378, Hamlin Bank and Trust Company Smethport 421, (6.00) Elderton State Bank Elderton 270, Noah Bank Elkins Park 399, Clarion County Community Bank Clarion 154, PeoplesBank, A Codorus Valley Company York 1,775, Meridian Bank Malvern 945, Apollo Trust Company Apollo 166, (2.76) InFirst Bank Indiana 395, Community First Bank Reynoldsville 126, (1.56) Univest Bank and Trust Co. Souderton 4,722, First Northern Bank and Trust Company Palmerton 703, ACNB Bank Gettysburg 1,611, Altoona First Savings Bank Altoona 219, (0.29) NexTier Bank, National Association Butler 1,249, DNB First, National Association Downingtown 1,133, National Bank of Malvern Malvern 151, Citizens & Northern Bank Wellsboro 1,269, Farmers and Merchants Trust Company of Chambersburg Chambersburg 1,174, First Commonwealth Bank Indiana 7,630, Woodlands Bank Williamsport 401, (1.29) Marion Center Bank Indiana 305, Enterprise Bank Allison Park 286, Asian Bank Philadelphia 197, Covenant Bank Doylestown 480, CNB Bank Clearfield 2,989, Fidelity Deposit and Discount Bank Dunmore 923, Muncy Bank and Trust Company Muncy 451, First Citizens Community Bank Mansfield 1,396, Hometown Bank of Pennsylvania Bedford 173, Bank of Landisburg Landisburg 280, S&T Bank Indiana 7,077, (0.22) Mid Penn Bank Millersburg 1,415, Net Interest Margin

12 Pennsylvania Noninterest Income Ranking Rank Company Name City Net Income 12 Service Charges on Deposits/ Avg Gain on Sale of Loans/ Avg Net Servicing Fees/ Avg Net Gains on OREO/ Avg Noninterest Income 1 Meridian Bank Malvern 945,435 4, , BNY Mellon, National Association Pittsburgh 23,481, , , United Bank of Philadelphia Philadelphia 55,473 (336) (0.02) 1, Noah Bank Elkins Park 399, , Atlantic Community Bankers Bank Camp Hill 701,817 3, , Huntingdon Valley Bank Huntingdon Valley 291, , Quaint Oak Bank Southampton 256,380 1, , Bryn Mawr Trust Company Bryn Mawr 4,378,508 31, , Citizens & Northern Bank Wellsboro 1,269,686 16, , Univest Bank and Trust Co. Souderton 4,722,723 43, (0.01) 58, Fulton Bank, National Association Lancaster 11,620, , , York Traditions Bank York 455,067 4, (0.03) 5, Orrstown Bank Shippensburg 1,641,957 11, , FNB Bank, National Association Danville 354,190 3, , PS Bank Wyalusing 369,117 4, , Swineford National Bank Hummels Wharf 326,726 1, (0.02) 3, First Commonwealth Bank Indiana 7,630,340 85, (0.01) 80, Somerset Trust Company Somerset 1,201,770 7, (0.01) 12, Ephrata National Bank Ephrata 1,049,340 7, , Farmers and Merchants Trust Company of Chambersburg Chambersburg 1,174,475 (5,046) (0.01) 12, Customers Bank Phoenixville 11,089,073 98, , Northwest Bank Warren 9,641, , (0.01) 91, Fidelity Deposit and Discount Bank Dunmore 923,341 10, , Firstrust Savings Bank Conshohocken 3,269,809 46, , First Columbia Bank & Trust Co. Bloomsburg 721,291 7, , Republic First Bank Philadelphia 2,546,380 11, , Community Bank Carmichaels 1,230,010 6, , Lafayette Ambassador Bank Bethlehem 1,524,417 13, , Kish Bank Belleville 841,571 5, , Apollo Trust Company Apollo 166,408 1, , Hyperion Bank Philadelphia 87,595 (1,275) S&T Bank Indiana 7,077,019 83, (0.01) 56, Woodlands Bank Williamsport 401,078 3, , Honesdale National Bank Honesdale 638,897 6, (0.01) 4, Juniata Valley Bank Mifflintown 630,731 4, , First National Bank of Pennsylvania Pittsburgh 32,066, , (0.01) 237, Washington Savings Bank Philadelphia 162, , Mercer County State Bank Sandy Lake 405,488 3, , PeoplesBank, A Codorus Valley Company York 1,775,765 15, , Citizens Bank of Pennsylvania Philadelphia 35,593, , , First National Bank and Trust Company of Newtown Newtown 973,715 6, , Reliance Savings Bank Altoona 491, , Northumberland National Bank Northumberland 524,578 2, , Commercial Bank & Trust of PA Latrobe 410,056 6, , Enterprise Bank Allison Park 286,422 1, (0.02) 1, Jersey Shore State Bank Williamsport 1,191,242 9, (0.01) 7, Riverview Bank Marysville 1,151,911 1, , Farmers National Bank of Emlenton Emlenton 774,698 5, , Jonestown Bank and Trust Co. Jonestown 587,861 5, , Susquehanna Community Bank West Milton 403,495 5, , NonInterest Income/ Avg

13 Pennsylvania Overhead Ranking Rank Company Name City Efficiency Ratio (FTE) 13 Employees Number of Offices Personnel Expense/ Avg. Occupancy Expense/ Avg. Other Expense/ Avg. 1 Sewickley Savings Bank Sewickley 313, Slovenian Savings and Loan Assoc. of Canonsburg Strabane 391, West View Savings Bank Pittsburgh 352, Armstrong County Building and Loan Association Ford City 86, Neffs National Bank Neffs 355, TriState Capital Bank Pittsburgh 5,143, Westmoreland Federal Savings and Loan Association Latrobe 168, Farmers Building and Savings Bank Rochester 93, Prudential Bank Philadelphia 1,028, Malvern Bank, National Association Paoli 1,052, American Bank Allentown 642, Hatboro Federal Savings, FA Hatboro 496, United Savings Bank Philadelphia 356, Turbotville National Bank Turbotville 141, Ambler Savings Bank Ambler 398, Bank of Bird-in-Hand Bird in Hand 308, Huntingdon Savings Bank Huntingdon 18, Harleysville Bank Harleysville 782, Elderton State Bank Elderton 270, New Tripoli Bank New Tripoli 463, Monument Bank Doylestown 347, William Penn Bank, (MHC) Levittown 301, Embassy Bank for the Lehigh Valley Bethlehem 1,066, Citizens Bank of Pennsylvania Philadelphia 35,593, , First Federal Savings and Loan Assoc. of Greene County Waynesburg 902, Mifflinburg Bank & Trust Company Mifflinburg 435, st Summit Bank Johnstown 1,031, First National Bank of Pennsylvania Pittsburgh 32,066, , Greenville Savings Bank Greenville 240, Brentwood Bank Bethel Park 627, Bank of Landisburg Landisburg 280, S&T Bank Indiana 7,077, , Gratz Bank Gratz 316, Wayne Bank Honesdale 1,151, Hamlin Bank and Trust Company Smethport 421, Standard Bank, PaSB Monroeville 980, Milton Savings Bank Milton 65, QNB Bank Quakertown 1,163, ESSA Bank & Trust Stroudsburg 1,821, Asian Bank Philadelphia 197, First Keystone Community Bank Berwick 1,009, First National Bank and Trust Company of Newtown Newtown 973, cfsbank Charleroi 498, First Citizens Community Bank Mansfield 1,396, VIST Bank Wyomissing 1,708, Marquette Savings Bank Erie 858, National Bank of Malvern Malvern 151, Compass Savings Bank Wilmerding 58, First Columbia Bank & Trust Co. Bloomsburg 721, Dollar Bank, Federal Savings Bank Pittsburgh 8,391, , Overhead/ Avg.

14 Pennsylvania Asset Quality Ranking Rank Company Name City Gross Loans 14 Loan Loss Reserves/ Gross Loans Adj 30-89PD/ Gross Loans Adj 90+PD/ Gross Loans Adj NPLs + Adj OREO/ Gross Loans Net Chargeoffs/ Avg Loans 1 Second Federal Savings and Loan Assoc. of Philadelphia Philadelphia 12,620 5, Mars Bank Mars 397, , Sewickley Savings Bank Sewickley 313,231 56, TriState Capital Bank Pittsburgh 5,143,547 4,552, United Savings Bank Philadelphia 356, , West View Savings Bank Pittsburgh 352,168 85, Iron Workers Savings Bank Aston 179, , BNY Mellon, National Association Pittsburgh 23,481,080 16,228, Apollo Trust Company Apollo 166, , American Bank Allentown 642, , Centric Bank Harrisburg 680, , UNB Bank Mount Carmel 140,249 91, Brentwood Bank Bethel Park 627, , Union Community Bank Mount Joy 560, , (0.02) Bank of Bird-in-Hand Bird in Hand 308, , First Priority Bank Malvern 627, , Standard Bank, PaSB Monroeville 980, , Washington Financial Bank Washington 1,119, , Customers Bank Phoenixville 11,089,073 9,113, Kish Bank Belleville 841, , AmeriServ Financial Bank Johnstown 1,164, , Ephrata National Bank Ephrata 1,049, , Commercial Bank & Trust of PA Latrobe 410, , Wayne Bank Honesdale 1,151, , Ambler Savings Bank Ambler 398, , Embassy Bank for the Lehigh Valley Bethlehem 1,066, , Firstrust Savings Bank Conshohocken 3,269,809 2,850, Washington Savings Bank Philadelphia 162, , Bryn Mawr Trust Company Bryn Mawr 4,378,508 3,393, Orrstown Bank Shippensburg 1,641,957 1,069, Sharon Bank Darby 153,048 71, Beneficial Bank Philadelphia 5,770,733 4,023, Fleetwood Bank Fleetwood 257, , Penn Community Bank Doylestown 2,074,208 1,408, Atlantic Community Bankers Bank Camp Hill 701, , Riverview Bank Marysville 1,151, , Victory Bank Limerick 231, , Dollar Bank, Federal Savings Bank Pittsburgh 8,391,429 6,969, Honesdale National Bank Honesdale 638, , Asian Bank Philadelphia 197, , Pennian Bank Mifflintown 506, , Investment Savings Bank Altoona 106,473 51, Altoona First Savings Bank Altoona 219, , VIST Bank Wyomissing 1,708,306 1,354, Huntingdon Valley Bank Huntingdon Valley 291, , (0.01) ACNB Bank Gettysburg 1,611,403 1,248, Meridian Bank Malvern 945, , S&T Bank Indiana 7,077,019 5,789, Muncy Bank and Trust Company Muncy 451, , First Commonwealth Bank Indiana 7,630,340 5,647, Asset Quality Composite

15 Pennsylvania Return on Average Equity Ranking Rank Company Name City LTM Net Income 15 Employees LTM Net Income / Employee 2017Q2 LTM Net Income 2016Q2 LTM Net Income 1 PS Bank Wyalusing 369,117 4, ,233 2, TriState Capital Bank Pittsburgh 5,143,547 45, ,927 21, Susquehanna Community Bank West Milton 403,495 5, ,527 4, Fidelity Deposit and Discount Bank Dunmore 923,341 10, ,879 7, First Citizens Community Bank Mansfield 1,396,977 15, ,350 12, Commercial Bank & Trust of PA Latrobe 410,056 6, ,734 4, st Summit Bank Johnstown 1,031,033 10, ,268 10, Gratz Bank Gratz 316,948 3, ,734 3, Mifflinburg Bank & Trust Company Mifflinburg 435,814 4, ,191 4, Hamlin Bank and Trust Company Smethport 421,223 9, ,809 6, American Bank Allentown 642,492 6, ,344 4, ACNB Bank Gettysburg 1,611,403 14, ,880 10, Embassy Bank for the Lehigh Valley Bethlehem 1,066,014 8, ,111 7, Asian Bank Philadelphia 197,625 1, ,373 2, Jonestown Bank and Trust Co. Jonestown 587,861 5, ,205 4, Citizens Bank of Pennsylvania Philadelphia 35,593, ,057 2, , , Centric Bank Harrisburg 680,535 6, ,452 2, Jersey Shore State Bank Williamsport 1,191,242 9, ,432 11, Harleysville Bank Harleysville 782,960 7, ,195 5, NexTier Bank, National Association Butler 1,249,949 12, ,429 8, Citizens & Northern Bank Wellsboro 1,269,686 16, ,280 14, CNB Bank Clearfield 2,989,819 28, ,825 20, Victory Bank Limerick 231,113 1, ,300 1, QNB Bank Quakertown 1,163,366 8, ,123 8, York Traditions Bank York 455,067 4, ,797 2, Monument Bank Doylestown 347,773 2, ,102 1, S&T Bank Indiana 7,077,019 83,001 1, ,061 71, Customers Bank Phoenixville 11,089,073 98, ,541 77, Elderton State Bank Elderton 270,004 2, ,613 2, Woodlands Bank Williamsport 401,078 3, ,426 3, New Tripoli Bank New Tripoli 463,596 4, ,297 4, Firstrust Savings Bank Conshohocken 3,269,809 46, ,678 20, Merchants Bank of Bangor Bangor 397,131 2, ,252 1, Brentwood Bank Bethel Park 627,925 6, ,696 3, First Commonwealth Bank Indiana 7,630,340 85,664 1, ,664 51, PeoplesBank, A Codorus Valley Company York 1,775,765 15, ,747 12, Wayne Bank Honesdale 1,151,185 10, ,250 5, Farmers National Bank of Emlenton Emlenton 774,698 5, ,589 4, Bank of Bird-in-Hand Bird in Hand 308,345 2, , Mid Penn Bank Millersburg 1,415,620 9, ,868 7, Orrstown Bank Shippensburg 1,641,957 11, ,775 9, Somerset Trust Company Somerset 1,201,770 7, ,557 9, Marion Center Bank Indiana 305,224 1, ,492 1, First National Bank and Trust Company of Newtown Newtown 973,715 6, ,215 6, Slovenian Savings and Loan Assoc. of Canonsburg Strabane 391,042 4, ,943 3, First Columbia Bank & Trust Co. Bloomsburg 721,291 7, ,217 6, Pennian Bank Mifflintown 506,859 3, ,239 3, First Keystone Community Bank Berwick 1,009,036 8, ,781 8, Northwest Bank Warren 9,641, ,217 2, ,927 43, First Resource Bank Exton 271,469 1, ,547 1, ROAA ROAE

16 Pennsylvania Overall Ranking Rank Company Name City Net Interest Margin Rank 16 Noninterest Income Rank Overhead Rank 1 Centric Bank Harrisburg 680, S&T Bank Indiana 7,077, First Commonwealth Bank Indiana 7,630, Commercial Bank & Trust of PA Latrobe 410, ACNB Bank Gettysburg 1,611, PS Bank Wyalusing 369, Firstrust Savings Bank Conshohocken 3,269, Wayne Bank Honesdale 1,151, Fidelity Deposit and Discount Bank Dunmore 923, Honesdale National Bank Honesdale 638, Gratz Bank Gratz 316, PeoplesBank, A Codorus Valley Company York 1,775, Apollo Trust Company Apollo 166, Susquehanna Community Bank West Milton 403, Bryn Mawr Trust Company Bryn Mawr 4,378, American Bank Allentown 642, First Citizens Community Bank Mansfield 1,396, Asian Bank Philadelphia 197, Customers Bank Phoenixville 11,089, Peoples Security Bank and Trust Company Scranton 2,233, CNB Bank Clearfield 2,989, NexTier Bank, National Association Butler 1,249, Northwest Bank Warren 9,641, Jersey Shore State Bank Williamsport 1,191, Embassy Bank for the Lehigh Valley Bethlehem 1,066, First National Bank of Pennsylvania Pittsburgh 32,066, First Columbia Bank & Trust Co. Bloomsburg 721, Union Community Bank Mount Joy 560, TriState Capital Bank Pittsburgh 5,143, York Traditions Bank York 455, Citizens & Northern Bank Wellsboro 1,269, Bank of Bird-in-Hand Bird in Hand 308, st Summit Bank Johnstown 1,031, Univest Bank and Trust Co. Souderton 4,722, Woodlands Bank Williamsport 401, Ephrata National Bank Ephrata 1,049, Kish Bank Belleville 841, Citizens Bank of Pennsylvania Philadelphia 35,593, Mid Penn Bank Millersburg 1,415, Farmers National Bank of Emlenton Emlenton 774, Orrstown Bank Shippensburg 1,641, Standard Bank, PaSB Monroeville 980, Mifflinburg Bank & Trust Company Mifflinburg 435, QNB Bank Quakertown 1,163, Pennian Bank Mifflintown 506, Victory Bank Limerick 231, Brentwood Bank Bethel Park 627, Jonestown Bank and Trust Co. Jonestown 587, Meridian Bank Malvern 945, Muncy Bank and Trust Company Muncy 451, Asset Quality Rank ROAE Rank Overall Rank

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