Community Heritage Financial, Inc. · OTC:CMHF
Community Heritage Financial — Shareholder Meeting (June 2026)
24 slides from Community Heritage Financial's shareholder meeting presentation, Jun 18, 2026
Slide 1: Annual Stockholder Meeting
Annual Stockholder Meeting June 18, 2026 1
Slide 2: Confidentiality Notice and Safe Harbor Statement
Confidentiality Notice and Safe Harbor Statement This presentation contains forward-looking statements. Any statements about our expectations, beliefs, plans, predictions, forecasts, objectives, assumptions or future events or performance are not historical facts and may be forward-looking. You can
Slide 3: Agenda
Agenda I. Call Meeting to Order and Welcome II. Introductions, Quorum and Notice III. Conduct of the Meeting IV. Minutes of 2025 Annual Stockholder Meeting V. Old Business VI. New Business I. Election of Class 2 Directors II. Ratification of Independent Public Accountants VII. President’s Report & 2
Slide 4: Board of Directors
Board of Directors Class CHF, Inc. MVB Bank Mlend Robert “B.J.” Goetz, Jr. 1 X X X2 John T. Routzahn III 1 X X Frankie Corsi, III 1 X X Kelly Schulz 1 X X James G. Pierne, Chairman 2 X1 X1 X1 Todd M. Snook, Vice Chairman 2 X2 X2 A. Dennis Remsburg 2 X X Beth A. Dellaposta 3 X X James H. Clapp 3 X X
Slide 5: Executive Leadership Team
Executive Leadership Team BJ Goetz Brenda McComas Christy Lautenslager Cody Hill President & CEO EVP & Chief Risk Officer Corporate Secretary EVP & Chief Operating Officer Dawn Lowe Dustin Watson John A. Scaldara Ryan Lampton EVP & Chief Talent and EVP & Chief Credit Officer EVP & Chief Financial Of
Slide 6: Meeting Business
Meeting Business Jim Pierne Christy Lautenslager 6
Slide 7: Voting & Proposals
Voting & Proposals 1. Report of mailing notice and presence of quorum. 2. 2026 Annual Meeting Business A. Election of Class Two Directors • James G. Pierne • Todd M. Snook • A. Dennis Remsburg B. Ratification of the appointment of Yount, Hyde & Barbour, PC as independent public accountants to audit
Slide 8: President's Report
President’s Report Robert “B.J.” Goetz 8
Slide 9: Culture is the Priority
Culture is the Priority Hage ® ADVANCING FINANCIAL JOURNEYS One conversation | One connection | One community at a time a
Slide 10: Banking Locations & Deposit Info
Banking Locations & Deposit Info Location 6/30/2020 6/30/2025 Middletown Branch Middletown $175,443 $209,376 Branch(s) Jefferson Branch Jefferson $63,767 $99,461 Myersville Branch Branch Myersville Boonsboro Branch $46,271 $69,836 Branch Boonsboro Eastern Blvd. Branch $36,899 $75,970 Branch Eastern
Slide 11: Working for Our Communities in 2025
Working for Our Communities in 2025 Supported over Employees gave Over 90% of our 220 non-profit over 3,350 hours team members organizations & to local non-profit donated their families organizations time and talents Funded over $2.65 million in community development loans 11
Slide 12: Awards & Recognition
MVB Voted Hottest Bank 9 Years in a Row Awards & Recognition MVB Voted Best Bank or Mortgage Company 6 Years in a Row 12
Slide 13: 2025 Noteworthy Items
2025 Noteworthy Items • Welcoming of new talent to the organization. • Investment in internally- and externally-led professional development programs. • Construction of new Eastern Blvd. Branch in Hagerstown and redesign of Middletown Branch. • Preparation for January 1 launch of MVB Home Loans and
Slide 14: 2025 Economic Impacts
2025 Economic Impacts • Disciplined approach to deposit pricing, which benefited from The Fed’s three rate cuts in late 2025. • Strategically competitive approach to loan pricing to ensure credit quality standards were maintained. • The factors mentioned above led to continued strong growth of the n
Slide 15: 2025 Financial Performance
2025 FINANCIAL PERFORMANCE John A. Scaldara, Jr. 15
Slide 16: Balance Sheet
Balance Sheet (dollars in thousands) Total Assets Loan Totals & Mix Deposit Totals & Mix $1,250,000 $ 1,153,357 $1,000,000 $930,855 $947,934 $1,200,000 $1,129,080 $1,020,380 $847,594 $812,933 $984,804 $996,800 $988,628 $1,000,000 $1,000,000 $930,132 $748,451 $908,007 $750,000 $879,007 $841,826 $817,
Slide 17: Financial Performance
Financial Performance (dollars in thousands) Net Income Net Interest Income Noninterest Income $10,000 $9,623 $40,000 $8,000 $36,047 $7,010 $8,653 $8,000 $30,688 $6,856 $30,000 $27,459 $6,000 $6,628 $26,119 $6,015 $24,174 $6,000 $3,929 $4,015 $20,000 $4,000 $3,590 $4,295 $3,263 $4,000 $2,852 $10,010
Slide 18: Financial Performance
Financial Performance (dollars in thousands, except ratios) Yield on Earning Assets vs. Cost of Noninterest Expense Net Interest Margin Total Deposits and Borrowings $30,000 4.00% 6.00% 5.39% $26,998 5.36% 5.10% $24,448 $24,845 3.75% 3.62% $25,000 5.00% 4.58% 4.60% 4.35% $21,257 3.50% 3.42% $19,899
Slide 19: Financial Performance
Financial Performance Allowance for Credit Losses Net Book Value Per Share Diluted Earnings Per Share 1.40% $32.00 $31.07 $3.50 $3.27 $30.30 $2.93 $3.00 $2.84 1.30% $30.00 $30.51 $2.67 $29.73 $2.50 $2.27 1.20% $28.00 $27.07 $2.00 1.10% 1.06% 1.06% $26.00 $25.30 $24.46 $26.50 $1.48 1.02% $1.50 0.98%
Slide 20: Financial Performance
Financial Performance Total Risk-Based Capital Return on Average Assets Return on Average Equity 18.00% 1.10% 1.02% 14.00% 12.71% 16.00% 1.00% 11.99% 12.00% 0.90% 10.86% 14.00% 13.33% 13.10% 13.24% 13.14% 13.16% 0.80% 0.80% 10.25% 12.58% 0.78% 0.80% 10.00% 12.00% 8.81% 0.70% 0.62% 10.00% 0.60% 8.00%
Slide 21: Q2 Investment Portfolio Restructure
Q2 Investment Portfolio Restructure • Sold $73.3 million of securities AFS and HTM at weighted average yield of 2.73% • Estimated after-tax loss of $3.9 million1 • EPS estimated impact - $1.33 • Capital estimated impact2 - $4.8 million • TBV estimated impact2 - $1.64 • Bank regulatory capital impact
Slide 22: Looking Ahead
Looking Ahead Robert “B.J.” Goetz 22
Slide 23: The Future of CHF
The Future of CHF • Upgrading technology to benefit internal operations and customer resources to include risk mitigation and customer onboarding and relationship management. • Capitalization of existing markets utilizing added talent and new physical spaces. • Strategic expansion of MVB Home Loans
Slide 24: Open Discussion and Q&A
Open Discussion and Q&A 24
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