Mid Penn Bancorp · NASDAQ:MPB
Mid Penn Bancorp — Investor Presentation (July 2026)
18 slides from Mid Penn Bancorp's investor presentation, Jul 28, 2026
Slide 1: Mid Penn Bancorp, Inc. Investor Presentation July 2026
1 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 DRAFT 04.07.2021 MID PENN BANCORP, INC. Investor Presentation July 2026
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”) contains estimates, predictions, opinions, projections and othe
Slide 3: Mid Penn Bancorp, Inc. Overview at June 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 June 30, 2026 Source: S&P Global Market Intelligence, Company Documents. Note: Financial information as of or for the quarter ended June 30, 2026 (unaudited). (1) Annualized financial
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 8.1% 10.5% 2024Q2 2026Q2 $5.4 $7.1 2024Q2 2026Q2 $1.0 $4.0 2024Q2 2026Q2 Core ROAA(1) Material Franchise & Balance Sheet Transformation Since 2024 Source: Company Documents, S&P Global Market Intelligence Note: Financi
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
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 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 used as of 6/30/2026. (2) Includes nationwide major exchange-
Slide 7: Exceptional Asset Quality, Nicely 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 22% Office 18% Industrial 9% Hospitality 11% Flex 3% Mobile Home Park 1% Healthcare 1% Other Property Types 13% Commercial Real Estate 51% Residential Mortgage 24% Construction 7% Commercial & In
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 0.81% 1.26% 2015Y 2026Q2 Ann. $2.03 $3.48 2018Y 2026Q2 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
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 72% 60% 2019 2026Q2 Continuing to Improve Operational Efficiency & Leveraging New Technology Continuing to innovate to drive productivity & efficiency gains Sources: S&P Global Market Intelligence; FDIC. (1) 38 total f
Slide 10: Conclusion & Demonstrated Track Record of Outsized Shareholder Value Creation
10 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 1.29x 1.56x 1.79x MPB Peer Median KRX Median 198% 159% 130% MPB Peer Median KRX Median Conclusion & Demonstrated Track Record of Outsized Shareholder Value Creation Source: S&P Global Market Intelligence. Note: Market
Slide 11: Appendix
11 0 75 143 241 158 20 Primary 217 217 217 242 242 242 Accent 30 55 104 142 180 40 Appendix
Slide 12: Experienced Management Team
12 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 / Presiden
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 Matthew L. Miller First Sr. VP / Chief Data Officer 21 27 Amy M. Barnett First Sr. VP / Chief Compliance Officer
Slide 14: Mid Penn Bank Regional Presidents
14 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 Keith C. Rada First Sr. VP / Brunswick Reg
Slide 15: Earnings Per Share and Dividends
15 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 2026Q2 $3.10 $2.71 $3.44 $2.29 $2.90 $2.84 3.40 2020 2021 2022 2023 2024 2025 2026Q2 Earnings Per Share and Dividends Source: S&P Global Market I
Slide 16: Non-GAAP Reconciliation
16 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 Net Income Available to Common Shareholders $13,742 $4,762 $18,297 $19,447 $8,706 $21,691 Less: BOLI Death Benefit Inco
Slide 17: Non-GAAP Reconciliation
17 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. ($000s) As of December 31, As of June 30, 2018 2019 2020 2021 2022 2023 2024 2025 2026Q2 Total Common Equity $223,209 $237,874 $255,688
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 ($000s) 2025Q1 2025Q2 2025Q3 2025Q4 2026Q2 Net Income Available to Common Shareholders $13,742 $4,762 $18,297 $19,447 $21,691 Plus: Intangible Amortizations, Net of Tax 338 588 746 735 1,437 $1