Three months ended June 30, 2026

Bank

VNB Trust &
Estate
Services

Consolidated

Net interest income

$

13,748

$

-

$

13,748

Provision for credit losses

231

-

231

Net interest income after provision for credit losses

$

13,517

$

-

$

13,517

Noninterest income:

Wealth management fees

$

-

$

214

$

214

Deposit account fees

359

-

359

Debit/credit card and ATM fees

245

-

245

Bank owned life insurance income

332

-

332

Gain on sale of limited partnership investment

4,662

-

4,662

Other

220

-

220

Total noninterest income

$

5,818

$

214

$

6,032

Noninterest expense:

Salaries and employee benefits

$

3,840

$

187

$

4,027

Net occupancy

693

27

720

Equipment

212

-

212

Bank franchise tax

468

-

468

Computer software

214

-

214

Data processing

609

-

609

FDIC deposit insurance assessment

187

-

187

Marketing, advertising and promotion

254

-

254

Professional fees

333

-

333

Core deposit intangible amortization

236

-

236

Other

954

55

1,009

Total noninterest expense

$

8,000

$

269

$

8,269

Income before income taxes

$

11,335

$

(55

)

$

11,280

Provision for (benefit of) income taxes

2,283

(11

)

2,272

Net income (loss)

$

9,052

$

(44

)

$

9,008

Six months ended June 30, 2026

Bank

VNB Trust &
Estate
Services

Consolidated

Net interest income

$

26,655

$

-

$

26,655

Recovery of credit losses

(105

)

-

(105

)

Net interest income after recovery of credit losses

$

26,760

$

-

$

26,760

Noninterest income:

Wealth management fees

$

-

$

434

$

434

Deposit account fees

725

-

725

Debit/credit card and ATM fees

496

-

496

Bank owned life insurance income

651

-

651

Gains on sale of assets, net

5

-

5

Gain on sale of limited partnership investment

4,662

-

4,662

Other

548

-

548

Total noninterest income

$

7,087

$

434

$

7,521

Noninterest expense:

Salaries and employee benefits

$

7,649

$

377

$

8,026

Net occupancy

1,447

52

1,499

Equipment

398

-

398

Bank franchise tax

936

-

936

Computer software

428

-

428

Data processing

1,159

-

1,159

FDIC deposit insurance assessment

362

-

362

Marketing, advertising and promotion

521

-

521

Professional fees

681

-

681

Core deposit intangible amortization

483

-

483

Other

1,828

147

1,975

Total noninterest expense

$

15,892

$

576

$

16,468

Income before income taxes

$

17,955

$

(142

)

$

17,813

Provision for (benefit of) income taxes

3,574

(29

)

3,545

Net income (loss)

$

14,381

$

(113

)

$

14,268

Three months ended June 30, 2025

Bank

VNB Trust &
Estate
Services

Consolidated

Net interest income

$

12,796

$

-

$

12,796

Provision for credit losses

3

-

3

Net interest income after provision for credit losses

$

12,793

$

-

$

12,793

Noninterest income:

Wealth management fees

$

-

$

206

$

206

Deposit account fees

293

-

293

Debit/credit card and ATM fees

355

-

355

Bank owned life insurance income

307

-

307

Other

150

-

150

Total noninterest income

$

1,105

$

206

$

1,311

Noninterest expense:

Salaries and employee benefits

$

3,612

$

251

$

3,863

Net occupancy

856

33

889

Equipment

198

4

202

Bank franchise tax

489

-

489

Computer software

266

-

266

Data processing

693

39

732

FDIC deposit insurance assessment

145

-

145

Marketing, advertising and promotion

179

-

179

Professional fees

297

34

331

Core deposit intangible amortization

284

-

284

Other

1,293

8

1,301

Total noninterest expense

$

8,312

$

369

$

8,681

Income before income taxes

$

5,586

$

(163

)

$

5,423

Provision for (benefit of) income taxes

1,219

(34

)

1,185

Net income (loss)

$

4,367

$

(129

)

$

4,238

Six months ended June 30, 2025

Bank

VNB Trust &
Estate
Services

Consolidated

Net interest income

$

25,090

$

-

$

25,090

Recovery of credit losses

(157

)

-

(157

)

Net interest income after recovery of credit losses

$

25,247

$

-

$

25,247

Noninterest income:

Wealth management fees

$

-

$

435

$

435

Deposit account fees

600

-

600

Debit/credit card and ATM fees

725

-

725

Bank owned life insurance income

600

-

600

Gains on sale of assets, net

278

-

278

Other

433

-

433

Total noninterest income

$

2,636

$

435

$

3,071

Noninterest expense:

Salaries and employee benefits

$

7,309

$

490

$

7,799

Net occupancy

1,840

65

1,905

Equipment

381

7

388

Bank franchise tax

828

-

828

Computer software

522

-

522

Data processing

1,388

79

1,467

FDIC deposit insurance assessment

290

-

290

Marketing, advertising and promotion

433

-

433

Professional fees

517

70

587

Core deposit intangible amortization

579

-

579

Other

2,693

14

2,707

Total noninterest expense

$

16,780

$

725

$

17,505

Income before income taxes

$

11,103

$

(290

)

$

10,813

Provision for (benefit of) income taxes

2,146

(60

)

2,086

Net income (loss)

$

8,957

$

(230

)

$

8,727