Mid Penn Bancorp · NASDAQ:MPB
Mid Penn Bancorp — Investor Presentation (November 2025)
17 slides from Mid Penn Bancorp's investor presentation, Nov 10, 2025
Slide 1: Mid Penn Bancorp, Inc. Investor Presentation November 2025
1 DRAFT 04.07.2021 MID PENN BANCORP, INC. Investor Presentation November 2025
Slide 2: Cautionary Note Regarding Forward-Looking Statements
2 Cautionary Note Regarding Forward-Looking Statements This presentation, and oral statements made regarding the subjects of this presentation, may contain forward-looking statements, including, but not limited to, certain plans, expectations, goals, projections, and statements about the benefits of
Slide 3: Additional Information and Where to Find It
3 ADDITIONAL INFORMATION AND WHERE TO FIND IT In connection with the 1st Colonial Acquisition, Mid Penn will file with the SEC a Registration Statement on Form S-4 to register the shares of Mid Penn common stock to be issued in connection with the 1st Colonial Acquisition that will include a proxy s
Slide 4: Experienced Management Team
4 Experienced Management Team Source: Company Documents. Executive Position Years at MPB Years in Industry Rory G. Ritrievi Chair, President & Chief Executive Officer 16 39 Scott W. Micklewright Sr. EVP / President of Commercial and Consumer Banking & Chief Revenue Officer 16 20 Justin T. Webb Sr. E
Slide 5: Mid Penn Bank Regional Presidents
5 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 14 20 Mark F. Ketch First Sr. VP / Schuylkill & Luzerne Counties 8 31 Keith C. Rada First Sr. VP / Brunswick Region 8 15 Joseph N
Slide 6: I. Company Overview & 2025 Q3 Update
6 I. Company Overview & 2025 Q3 Update
Slide 7: Mid Penn Bancorp, Inc. Overview at September 30, 2025
7 Mid Penn Bancorp, Inc. Overview at September 30, 2025 Source: S&P Global Market Intelligence, Company Documents. Note: Financial information as of or for the quarter ended September 30, 2025. (1) Annualized financial metric. (2) Non-GAAP financial metric. Please see Appendix for GAAP to non-GAAP r
Slide 8: Refresher: 1st Colonial Strategic Acquisition
8 13.9% 11.8% 9/30/2025 3/31/2026 10.5% 9.5% 9/30/2025 3/31/2026 15.5% 13.0% 9/30/2025 3/31/2026 $6.3 $7.4 9/30/2025 3/31/2026 Source: S&P Global Market Intelligence, Company Documents. Note: Financial information at the time of transaction announcement. (1) Includes MPB branches in the greater Phil
Slide 9: Refresher: Cumberland Advisors Acquisition
9 Financial Highlights2 27% 13% 29% 30% 1% Non-Domestic Source: S&P Global Market Intelligence; company documents. (1) Account data as of 3/31/2025. (2) Run rate figures are representative of June 2025 monthly financials. Refresher: Cumberland Advisors Acquisition $3.3B Total AUM $1.1B Private Wealt
Slide 10: Strengthening Our Foundation for Sustainable Growth
10 Strengthening Our Foundation for Sustainable Growth ✓ The late 2024 capital raise and William Penn deal, combined with execution of our organic deposit growth plan, has materially enhanced our balance sheet ✓ In the near-term: – We are focused on integrating 1st Colonial and Cumberland – Overall
Slide 11: MPB: Track Record of Successful M&A Post-Close Optimization
11 $1.48 $3.16 2018Y 2025Q3 Ann. 0.8% 0.8% 0.7% 0.9% 0.8% 1.0% 1.1% 1.2% 0.9% 0.9% 1.1% MPB: Track Record of Successful M&A Post-Close Optimization Source: S&P Global Market Intelligence, Company Filings. (1) Non-GAAP financial metric used. Please see Appendix for GAAP to non-GAAP reconciliation. (2
Slide 12: Exceptional Asset Quality and Diversified, Granular Loan Portfolio
12 Commercial Real Estate 56% Commercial & Industrial 15% Construction 8% Residential Mortgage 21% 0.51% 1.38% MPB Peer Median 0.44% 0.44% MPB Peer Median Exceptional Asset Quality and Nicely Diversified & Granular Loan Portfolio Loan Portfolio Composition(1) Source: Company Documents, S&P Global Ma
Slide 13: Compelling Valuation vs. Public Banks
13 Compelling Valuation vs. Public Banks Source: S&P Global Market Intelligence; FactSet; Company Filings. Note: Market data and median analyst consensus estimates as of 11/5/2025; Most recent quarter available used for peers. (1) $5 - $10Bn Peers defined as US major exchange traded banks and thrift
Slide 14: Appendix
MID PENN BANCORP. Appendix
Slide 15: Non-GAAP Reconciliation
15 Non-GAAP Reconciliation ($000s) 2024Q2 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 Net Income Available to Common Shareholders $11,771 $12,301 $13,232 $13,742 $4,762 $18,297 Less: BOLI Death Benefit Income 487 4 615 83 1 71 Less: Recoveries on loans previously acquired in business combinations 1 -- -- --
Slide 16: Non-GAAP Reconciliation
16 Non-GAAP Reconciliation Source: S&P Global Market Intelligence, Company Filings. ($000s) For the Years Ended December 31, As of September 30, 2018 2019 2020 2021 2022 2023 2024 2025Q3 Total Common Equity $223,209 $237,874 $255,688 $490,076 $512,099 $542,350 $655,018 $796,323 Goodwill 62,840 62,84
Slide 17: Non-GAAP Reconciliation
17 Non-GAAP Reconciliation ($000s) 2024Q2 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 Net Income Available to Common Shareholders $11,771 $12,301 $13,232 $13,742 $4,762 $18,297 Plus: Intangible Amortizations, Net of Tax 336 363 372 338 588 746 $12,107 $12,664 $13,604 $14,080 $5,350 $19,043 Average Shareholde
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