GELT Bancorp, Inc. Announces Cash Dividend of $0.35 Per Share

FOR IMMEDIATE RELEASE
Media Contact:
Lori A. Maley, CPA
President, CEO and Vice Chairman of the Board
717-929-2389
[email protected]

Bird-in-Hand, PA, February 5, 2026 – GELT Bancorp, Inc. (the “Company”), the holding company for Bank of Bird-in-Hand (the “Bank”), announced that the Board of Directors declared a cash dividend of $0.35 per share of common stock to shareholders of record as of March 26, 2026, and payable on April 8, 2026.

“The Company’s capital plan and philosophy require a balance to maintain a strong capital base from which to grow and serve customers, reward our loyal shareholders, and reinforce our goal of creating long-term shareholder value through responsible capital allocation,” remarked Lori A. Maley, CPA, President, Chief Executive Officer and Vice Chairman of the Board. “The Company posted another exceptional year in 2025 driven by higher loan interest income, improved core funding costs, and overall expense control. This record performance has elevated our level of profitability and our capital position. Furthermore, this cash dividend would not be possible without the steadfast support of our shareholders and the hard work and dedication of all our employees and the Board of Directors,” Ms. Maley continued.
Kevin J. McClarigan, CPA, Chairman of the Board, noted that “Our Company has consistently achieved beyond-peer organic growth which the Board believes warrants us to take steps to reward our shareholders for their investments that allow us to continue to grow.” He added, “The entire Board is incredibly pleased and excited by the community’s continued support of our unique business model. We are committed to our customers and community to build upon that success.”

About Bank of Bird-in-Hand
Bank of Bird-in-Hand, a subsidiary of GELT Bancorp, Inc., is a community-owned bank with a strong focus on agricultural, small business, and consumer lending. The Bank’s main office is located at 309 North Ronks Road, Bird-in-Hand, PA, 17505, and it operates eight additional brick-and-mortar branches, as well as four mobile bank branches known as Gelt Buses with a scheduled series of stops at nineteen locations. For more information, including a full list of branch locations and Gelt Bus stops, visit www.bihbank.com. Member FDIC, Equal Housing Lender.

For more information on the company’s investment story or regarding stock ownership, please contact the Investor Relations team at [email protected] or 717-929-2389.

A Warning About Forward-Looking Statements
This press release contains statements about our plans, objectives, expectations, and intentions as well as other statements that are not historical facts. These are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities and Exchange Act of 1934. These forward-looking statements can be identified by use of terminology such as “expect”, “plan”, “anticipate”, “believe”, “estimate”, and similar words that are intended to identify such forward-looking statements. These forward-looking statements are based on management’s current expectations, assumptions, estimates, and projections about the Bank and the Company, the financial services industry, and the economy. There are several factors such as changes in fiscal or monetary policy, or changes in the economic climate that will influence the future operations of the Bank and the Company. These factors are difficult to predict with regard to how likely and to what degree or significance that they would occur and are subject to change. Actual results may differ materially from what may have been forecast in the forward-looking statements. Readers are accordingly cautioned not to place undue reliance on forward-looking statements. The Bank and the Company do not revise or update these forward-looking statements to reflect events or changed circumstances.