With total assets over $5 billion, strong liquidity, strong asset quality, and capital ratios well in excess
of regulatory minimums, the Bank remains one of the top community banks in the Commonwealth
and country. As of December 31, 2025, Leader Bank’s capital ratios exceeded the amount to be
considered “well capitalized” by the FDIC. The Bank once again received a Five Star Rating from Bauer
Financial, Inc., marking thirdteenth years of national recognition for our robust performance. The Bank
has maintained a prudent and conservative lending culture which has been conducive to developing
a high-quality, locally-based, and diversified loan portfolio. Risky or sub-prime lending has never been
part of the Bank’s lending strategy.