Mid Penn Bancorp · NASDAQ:MPB

Mid Penn Bancorp — Investor Presentation (November 2026)

19 slides from Mid Penn Bancorp's investor presentation, Nov 5, 2026

  1. Slide 1: Mid Penn Bancorp, Inc. Investor Presentation November 2026

    1 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 MID PENN BANCORP, INC. Investor Presentation November 2026

  2. Slide 2: Cautionary Notice Regarding Forward-Looking Statements

    2 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Cautionary Notice Regarding Forward-Looking Statements This presentation and management’s related discussion regarding Mid Penn Bancorp, Inc. (“Mid Penn” or the “Company”) contains estimates, predictions, opinions, pro

  3. Slide 3: Mid Penn Bancorp, Inc. Overview at September 30, 2026

    3 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Mid Penn Bancorp, Inc. Overview at September 30, 2026 Source: S&P Global Market Intelligence, Company Documents. Note: Financial information as of or for the quarter ended September 30, 2026 (unaudited). (1) Annualized

  4. Slide 4: Material Franchise & Balance Sheet Transformation Since 2024

    4 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 $1.0 $3.8 2024Q3 2026Q3 386% 317% 2024Q3 2026Q3 8.1% 10.3% 2024Q3 2026Q3 $5.5 $7.1 2024Q3 2026Q3 Core ROAA(1) Material Franchise & Balance Sheet Transformation Since 2024 Source: Company Documents, S&P Global Market In

  5. Slide 5: Key Tenets of the Mid Penn Story

    5 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Key Tenets of the Mid Penn Story Well-Balanced Deposit Franchise with Best-in-Class Growth Rates in NIB Accounts Outsized Long-Term Shareholder Value Creation & Positioned for Further Upside Track Record of Successful

  6. Slide 6: Well-Balanced Deposit Franchise with Best-in-Class Growth Rates in NIB Accounts

    6 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 5% 7% 17% 22% 2% 0% 9% 10% 2 3 4 5 19% 31% MPB Peer Median Well-Balanced Deposit Franchise with Best-in-Class Growth Rates in NIB Accounts Source: S&P Global Market Intelligence, FDIC. (1) Bank-level regulatory data us

  7. Slide 7: Exceptional Asset Quality, Diversified & Granular Commercial Loan Portfolio

    7 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Multifamily 22% Retail 20% Office 18% Industrial 10% Hospitality 11% Flex 3% Mobile Home Park 1% Healthcare 1% Other Property Types 14% Commercial Real Estate 51% Residential Mortgage 24% Construction 8% Commercial & I

  8. Slide 8: Track Record of Successful M&A Integration

    8 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 $2.03 $3.51 2018Y 2026Q3 Ann. 0.81% 1.24% 2015Y 2026Q3 Ann. Track Record of Successful M&A Integration Source: S&P Global Market Intelligence, Company Filings. (1) Non-GAAP financial metric used. Please see Appendix fo

  9. Slide 9: Continuing to Improve Operational Efficiency & Leveraging New Technology

    9 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Continuing to Improve Operational Efficiency & Leveraging New Technology Continuing to innovate to drive productivity & efficiency gains Sources: S&P Global Market Intelligence; FDIC. (1) Non-GAAP financial metric used

  10. Slide 10: Market Risk – Net Interest Income Sensitivity

    10 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Source: S&P Global Market Intelligence. Note: Peer data as of most recent quarter reported. Note: Net interest income sensitivity reflects instantaneous, parallel shifts in the yield curve based on the most recent qua

  11. Slide 11: Conclusion & Demonstrated Track Record of Outsized Shareholder Value Creation

    11 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Conclusion & Demonstrated Track Record of Outsized Shareholder Value Creation Source: S&P Global Market Intelligence. Note: Market data as of October 28, 2026. (1) Shown from October 28, 2016, to October 28, 2026. (2)

  12. Slide 12: Appendix

    12 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Appendix

  13. Slide 13: Experienced Management Team

    13 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Experienced Management Team Source: Company Documents. Executive Position Years at MPB Years in Industry Rory G. Ritrievi Chair, President & Chief Executive Officer 17 40 Scott W. Micklewright First Sr. EVP / Chief Op

  14. Slide 14: Experienced Management Team

    14 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Experienced Management Team Source: Company Documents. Executive Position Years at MPB Years in Industry Matthew L. Miller First Sr. VP / Chief Data Officer 21 27 Amy M. Barnett First Sr. VP / Chief Compliance Officer

  15. Slide 15: Mid Penn Bank Regional Presidents

    15 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Mid Penn Bank Regional Presidents Source: Company Documents. Executive Position / Region Years at MPB Years in Industry Natalie L. Falatek Sr. VP / Upper Dauphin Region 15 22 Randy Wolfe Sr. VP/ South Central NJ Regio

  16. Slide 16: Earnings Per Share and Dividends

    16 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 $0.77 $0.84 $0.80 $0.80 $0.80 $0.84 $0.97 2020 2021 2022 2023 2024 2025 2026Q3 $3.10 $2.71 $3.44 $2.29 $2.90 $2.84 3.36 2020 2021 2022 2023 2024 2025 2026Q3 Earnings Per Share and Dividends Source: S&P Global Market I

  17. Slide 17: Non-GAAP Reconciliation ($000s)

    17 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Non-GAAP Reconciliation ($000s) For the quarters ended, 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 Net Income Available to Common Shareholders $13,742 $4,762 $18,297 $19,447 $8,706 $21,691 $21,625 Less: BOLI Dea

  18. Slide 18: Non-GAAP Reconciliation

    18 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Non-GAAP Reconciliation Source: S&P Global Market Intelligence, Company Filings. As of December 31, As of September 30, 2018 2019 2020 2021 2022 2023 2024 2025 2026Q3 Total Common Equity $223,209 $237,874 $255,688 $49

  19. Slide 19: Non-GAAP Reconciliation

    19 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Non-GAAP Reconciliation 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 2026Q3 Net Income Available to Common Shareholders $13,742 $4,762 $18,297 $19,447 $8,706 $21,691 $21,625 Plus: Intangible Amortizations, Net of Tax 338

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