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NEXTIER BANK, NATIONAL ASSOCIATION

$1B-$10B Specialty: Commercial PA FDIC cert 7900

Kittanning, PA

34 branches across PA · NY · AZ

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +4.3% year over year ($2.5B on the books).
  • Delinquency rate 1.50%.
  • Return on assets 1.38%.
  • Efficiency ratio 49.24% vs a 59.73% peer average.
  • Loan-to-deposit ratio 85.86% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

NEXTIER BANK, NATIONAL ASSOCIATION has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 10.49% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 27.9% in tier
  • - Net Interest Margin 0.18% below tier average
Get updates when NEXTIER BANK, NATIONAL ASSOCIATION releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $2.9B
+3.8% YoY +2.6% QoQ
+$134.9M $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $2.2B
+2.1% YoY +0.5% QoQ
+$220.0M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $2.5B
+4.3% YoY +2.6% QoQ
+$224.1M $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
71%
Return on Assets ? 1.38%
+4.9% YoY +8.9% QoQ
-0.01% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 3.69%
+4.5% YoY +2.4% QoQ
-0.18% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 49.24%
-1.1% YoY -2.6% QoQ
-10.49% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 1.50%
+38.4% YoY -4.0% QoQ
+0.64% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 85.86%
-2.1% YoY -2.0% QoQ
+0.82% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 19.40%
-0.2% YoY -3.9% QoQ
-1.87% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 1.13%
+37.0% YoY -6.8% QoQ
+0.45% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 12.11%
+6.8% YoY +3.0% QoQ
-2.73% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.16%
+19.0% YoY +127.9% QoQ
-0.37% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
21%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 19.4%
0.0pp YoY
-0.8pp QoQ
 -2.0pp 21.4% 18.7% 22.2% 48%
Brokered Deposits n/a n/a 9.5% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 8.2%
+0.5pp YoY
0.0pp QoQ
 -5.8pp 14.0% 8.6% 12.5% 35%
CRE 50.3%
-0.3pp YoY
-0.1pp QoQ
 +0.2pp 50.0% 37.9% 41.4% 52%
1-4 Family 28.3%
-0.5pp YoY
-0.1pp QoQ
 +1.9pp 26.4% 47.8% 31.3% 62%
Consumer 11.5%
+0.8pp YoY
+0.4pp QoQ
 +6.8pp 4.7% 3.8% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 12.1%
+0.8pp YoY
+0.4pp QoQ
 -3.5pp 15.6% 22.3% 19.7% 27%
Leverage Ratio 9.6%
+0.6pp YoY
+0.4pp QoQ
 -1.7pp 11.3% 13.2% 12.6% 26%
Total Capital Ratio 13.3%
+0.8pp YoY
+0.4pp QoQ
 -3.4pp 16.7% 23.3% 20.8% 26%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 313
+14 (+4.7%) YoY
+5 (+1.6%) QoQ
 -1 313 299 482 68%
Assets per Employee ($) $9.4M
-0.8% YoY
+1.0% QoQ
 -$1.1M $10.5M $9.2M $8.8M 58%
Branch Count 34
0 YoY
0 QoQ
 +14 20 20 18 85%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 52%
Nonaccrual 1.5%
+0.4pp YoY
-0.1pp QoQ
 +0.6pp 0.8% 0.9% 1.0% 86%
Allowance Coverage 0.72x
-29.4% YoY
+4.4% QoQ
 -17.99x 18.71x 3.63x 20.23x 13%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 13.3%
-0.3pp YoY
+1.0pp QoQ
 +0.7pp 12.6% 10.2% 11.6% 59%
Cost of Funds (YTD) 2.0%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.8% 1.7% 58%
Net Income ($, YTD) $20.1M
+7.0% YoY
— QoQ
 +$831K $19.2M $18.2M $40.4M 70%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#113 of 402 • Bottom 27.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

187
Efficiency Ratio
profitability
Value: 49.24%
Peer Median: 59.73%
#187 of 885 Top 21.0% in $1B-$10B

Top Weaknesses (3 metrics)

741
Delinquency Rate
credit_quality
Value: 1.50%
Peer Median: 0.87%
#741 of 882 Bottom 16.1% in $1B-$10B
725
Nonperforming Asset Ratio
credit_quality
Value: 1.13%
Peer Median: 0.67%
#725 of 885 Bottom 18.2% in $1B-$10B
701
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.53%
#701 of 885 Bottom 20.9% in $1B-$10B
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