Elderton State Bank
Elderton, PA · Cert 12985 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Keystrong Financial Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$465.2MAssets
$393.7MLoans
$359.6MDeposits
$54.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of banks under $1B in assets operating in a single state (rank 44 of 746).
- Widest gap: total risk-based capital ratio trails 71% of banks under $1B in assets operating in a single state (rank 531 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.62%
Rank 130 of 746
Net Interest Margin
3.61%
Rank 396 of 746
Efficiency Ratio
44.27%
Rank 44 of 746
Equity / Assets
11.72%
Rank 257 of 746
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 94% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.72% | 1.06% | 1.45% | Beats 83% | 130 / 746 | | |
| Return on Equity | 13.82% | 6.74% | 10.51% | 13.63% | Beats 76% | 177 / 746 | | |
| Net Interest Margin | 3.61% | 3.17% | 3.68% | 4.16% | Beats 47% | 396 / 746 | | |
| Efficiency Ratio | 44.27% | 55.74% | 64.58% | 75.47% | Beats 94% | 44 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.09% | 0.42% | 1.07% | Beats 34% | 491 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 32% | 509 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.09% | 11.55% | 13.75% | 17.60% | Beats 32% | 504 / 746 | | |
| Total Risk-Based Capital Ratio | 12.09% | 11.71% | 14.33% | 18.43% | Beats 29% | 531 / 746 | | |
| Equity / Assets | 11.72% | 8.90% | 10.51% | 13.06% | Beats 66% | 257 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 109.48% | 61.31% | 78.27% | 90.78% | 97th pctl | 26 / 746 | | |
| Loans / Assets | 84.64% | 53.60% | 66.97% | 76.08% | 95th pctl | 39 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |