FirstNASDAQ: FUNC

Q2 2025 Investor Presentation

· MarketScreener


INVESTOR PRESENTATION

Second Quarter 2025



MyBank.com



Table of Contents



I. II. III. Corporate Overview Financial Performance Appendices Pg. 4 Pg. 10 Pg. 32 Corporate Overview




Overview Founded: 1900

Headquarters: Oakland, MD Locations: 22 branches Business Lines:

  • Commercial & Retail Banking

  • Trust Services

  • Wealth Management

Ticker: FUNC (Nasdaq)

Website: https://www.MyBank.com

Our Mission



  • Pittsburgh, PA

  • Harrisburg, PA

Star denotes Oakland, Maryland Headquarters

  • Columbus, OH

Morgantown, WV

●

Maryland

Winchester, VA

●

  • Baltimore, MD

  • Washington, DC

West Virginia

  • Richmond, VA

4



To enrich the lives of our associates, customers, communities and shareholders through uncommon commitment to service and customized financial solutions.



Core Markets

West Region

Central Region

East Region

Loans (000s)

$328,514

$451,096

$595,634

Deposits (000s)

$125,005

$746,858

$519,345

Deposit Market Share(1) (at June 30, 2024)

3%

45%

4%

Branches

3

9

10

Note: Out of market loans representing $128 million and $50 million in

brokered CDs are not reflected in this table

(1) Source: FDIC Market Share Data, most current. Deposit market share for each region includes the following counties:

West: Monongalia, WV Central: Garrett, MD; Allegany, MD; Mineral, WV East: Washington, MD; Frederick, MD; Berkeley, WV

5



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