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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Nextier Bank National Association

Kittanning, Pennsylvania · $2.93B in assets · beside the 11 other Pennsylvania banks between $1B and $3B

The filing

50.9%
Efficiency
1st of 12
10.6%
Equity / assets
2nd of 12
1.38%
ROA
2nd of 12

Nextier Bank National Association is the second largest of the 12 Pennsylvania banks nearest its size between $1B and $3B, with $2.93B in assets at 30 June 2026. Loans are 86.8% of deposits, 8th of 12 against a median of 84.0%, and equity is 10.6% of assets, 2nd of 12. Loans grew +2.1% in the year, 11th of 12, and deposits grew 4.3%; the cohort's median loan growth is +9.9%.

Noncurrent loans are 1.49% of the book, 10th of 12 against a median of 0.67%; 0.66% is 30 to 89 days past due, and the allowance covers them 0.7 times. Commercial real estate is 43.3% of loans, 9th of 12 against a median of 29.1%, and 315% of capital, above the 300% screen, with construction at 51% against the 100% screen.

Return on assets is 1.38%, 2nd of 12 against a median of 1.13%, on an efficiency ratio of 50.9%, the lowest in the cohort. Five years ago it was 1.01%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 6.4% of loans).

The efficiency ratioPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 60.7% NB Nextier Bank National Association 50.9% JB Journey Bank 51.7% Bo Bank of Bird-in-hand 52.6% FD Fidelity Deposit & Discount Bank 58.5% EB Embassy Bank Lehigh Valley 59.0% FM Farmers & Merchants Trust Chamber 60.1% KB Kish Bank 61.3% WB Wayne Bank 63.9% MB Meridian Bank 64.5% ST Somerset Trust Co. 66.3% EN Ephrata National Bank 71.4% QB QNB Bank 71.5%
Loans, year over yearPA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.9% QB QNB Bank +40.8% WB Wayne Bank +26.9% Bo Bank of Bird-in-hand +15.5% KB Kish Bank +14.4% EN Ephrata National Bank +14.2% FD Fidelity Deposit & Discount Bank +13.7% FM Farmers & Merchants Trust Chamber +6.1% JB Journey Bank +4.1% MB Meridian Bank +3.7% EB Embassy Bank Lehigh Valley +3.0% NB Nextier Bank National Association +2.1% ST Somerset Trust Co. -1.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Nextier Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen315%9th of 12204%
Construction against capital, the 100% screen51%7th of 1249%
Construction and land development, share of loans7.0%7th of 126.4%
Non-owner-occupied nonfarm nonresidential, share of loans21.2%10th of 1216.8%
Total CRE, the guidance definition, share of loans43.3%9th of 1229.1%
CRE growth over 36 months, the third prong+33.5%3rd of 12+59.7%
Commercial real estate against capital, the 300% screenPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 204% EN Ephrata National Bank 104% Bo Bank of Bird-in-hand 115% JB Journey Bank 144% EB Embassy Bank Lehigh Valley 177% FD Fidelity Deposit & Discount Bank 188% WB Wayne Bank 201% ST Somerset Trust Co. 206% MB Meridian Bank 307% NB Nextier Bank National Association 315% QB QNB Bank 332% FM Farmers & Merchants Trust Chamber 367% KB Kish Bank 406%
CRE growth over 36 months, the guidance's third prongPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median +59.7% EB Embassy Bank Lehigh Valley +3.0% MB Meridian Bank +32.2% NB Nextier Bank National Association +33.5% EN Ephrata National Bank +46.0% FD Fidelity Deposit & Discount Bank +47.0% ST Somerset Trust Co. +51.7% FM Farmers & Merchants Trust Chamber +67.8% KB Kish Bank +72.5% Bo Bank of Bird-in-hand +76.0% QB QNB Bank +90.3% JB Journey Bank +133.0% WB Wayne Bank +138.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Fidelity Deposit & Discount Bank$2.97B1.1%58.5%0.08%0.01%1.0%81.6%8.5%
Nextier Bank National Association$2.93B1.4%50.9%1.49%0.00%1.1%86.8%10.6%
Wayne Bank$2.91B1.0%63.9%1.21%0.17%1.1%89.4%9.3%
Meridian Bank$2.59B0.8%64.5%3.68%0.93%1.0%101.5%9.6%
Somerset Trust Co.$2.47B1.1%66.3%1.49%0.12%1.3%81.3%8.1%
Ephrata National Bank$2.39B1.0%71.4%0.54%0.04%1.1%82.7%9.4%
QNB Bank$2.37B0.7%71.5%0.61%0.00%0.7%82.9%8.8%
Farmers & Merchants Trust Chamber$2.34B1.2%60.1%1.10%0.07%1.4%83.8%8.3%
Kish Bank$2.08B1.2%61.3%0.57%0.03%0.7%117.3%8.4%
Bank of Bird-in-hand$1.91B1.2%52.6%0.19%0.00%0.6%103.4%9.6%
Embassy Bank Lehigh Valley$1.86B0.9%59.0%0.05%0.00%0.9%77.7%6.9%
Journey Bank$1.67B1.7%51.7%0.74%0.03%0.8%84.2%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Nextier Bank National AssociationCohort median
20212026Change20212026Change
Loans$1.44B$2.21B+54%$1.07B$1.73B+62%
Deposits$1.56B$2.54B+63%$1.39B$2.01B+44%
NPA / loans0.32%1.49%+1.16 pts0.43%0.67%+0.24 pts
Efficiency60.2%50.9%-9.2 pts61.1%60.7%-0.4 pts
ROA1.01%1.38%+0.37 pts1.05%1.13%+0.09 pts

This read was prepared for Nextier Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Nextier Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $1B to $3B
Institution www.nextierbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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