Meridian Bank

Wayne, PennsylvaniaFDIC Cert #57777

STATEEstablished 20046 branches

Holding company: MERIDIAN CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$350M
Investor CRE	$308M
Multifamily	$106M
Construction	$366M
1–4 family	$565M
C&I	$474M
Agriculture	$6.84M
Other	$45.4M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$2.22B

+5.8%y/y

Percentile by value97th percentileby value

FDICLNLSGR

Net loans

$2.2B

+5.8%y/y

Percentile by value97th percentileby value

FDICLNLSNET

Loans YoY

+5.79%

−2.6%y/y

Percentile by value49th percentileby value

FDICLNLSNET

L/D

101.2%

+3.8%y/y

Percentile by value88th percentileby value

FDICLNLSNET + DEP

Loans/assets

85.4%

+3.7%y/y

Percentile by value95th percentileby value

FDICLNLSNET + ASSET

RE loans %

81.96%

+0.6%y/y

Percentile by value40th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,866points

+3.4%y/y

Peer standing66th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

15.76%

−1.9%y/y

Percentile by value71st percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

13.87%

+0.5%y/y

Percentile by value29th percentileby value

FDICLNRENROT + LNLSGR

C&I %

21.33%

+5.7%y/y

Percentile by value87th percentileby value

FDICLNCI + LNLSGR