Mifflinburg, PA · Cert 10685 · Steele Bcorp Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · State College, PA · 2026 SOD (annual) · 1.2% share · #13 of 16 inst. · $0.1B of $4.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.23% | 1.20% | 1.19% | -1.77% | 1.62% | 1.59% | 1.62% | +43 bps | |
| Return on Equity | 10.87% | 2.54% | 13.21% | 13.06% | -19.32% | 17.32% | 16.63% | 16.55% | +349 bps | |
| Net Interest Margin | 2.98% | 3.02% | 3.12% | 3.25% | 3.84% | 3.96% | 3.92% | 4.02% | +77 bps | |
| Efficiency Ratio | 60.82% | 79.91% | 58.23% | 56.74% | 93.35% | 54.00% | 51.35% | 50.07% | -667 bps | |
| Non-Interest Burden | 1.67% | 2.35% | 1.65% | 1.69% | 3.71% | 2.10% | 2.00% | 1.97% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.96% | 6.48% | 8.61% | 10.71% | 112.28% | 110.73% | 108.14% | 102.20% | +9,149 bps | |
| Loan Growth (YoY) | 7.64% | 12.48% | 13.92% | 15.66% | 119.23% | 110.43% | 104.05% | 97.75% | +8,209 bps | |
| Deposit Growth (YoY) | 4.09% | 3.54% | 8.41% | 7.30% | 122.69% | 127.02% | 120.31% | 117.83% | +11,053 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.10% | 0.08% | 0.04% | 0.18% | 0.41% | 0.80% | 0.80% | +76 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.00% | 0.01% | 0.03% | -0.01% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 0.96% | 1.00% | 0.99% | 0.99% | 1.06% | 1.08% | 1.06% | 1.07% | +8 bps | |
| Allowance Coverage of NPLs | 8.0x | 10.0x | 12.2x | 25.3x | 6.0x | 2.7x | 1.3x | 1.3x | -24.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.20% | 9.67% | 9.79% | 9.79% | 9.93% | 8.56% | 8.94% | 9.01% | -78 bps | |
| Total Risk-Based Capital | 10.20% | 9.67% | 9.79% | 9.79% | 9.93% | 8.56% | 8.94% | 9.01% | -78 bps | |
| Equity / Assets | 9.46% | 8.94% | 9.18% | 8.98% | 9.25% | 9.46% | 9.71% | 9.82% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.71% | 89.12% | 88.78% | 90.86% | 81.43% | 82.60% | 82.23% | 82.48% | -838 bps | |
| Liquid Assets / Assets | 2.37% | 1.95% | 1.92% | 1.80% | 3.36% | 2.65% | 3.73% | 3.34% | +155 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 261% | 266% | 259% | n/a | n/a | |