Glen Rock, PA · Cert 13879
FDIC · 29 branches
Q2 2024
Market Position · York-Hanover, PA · 2024 SOD (annual) · 15.3% share · #2 of 16 inst. · $1.5B of $9.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.60% | 1.38% | 1.34% | 1.19% | 1.25% | 0.91% | 0.16% | -119 bps | |
| Return on Equity | 14.77% | 16.99% | 13.92% | 13.34% | 11.84% | 11.96% | 8.49% | 1.48% | -1,186 bps | |
| Net Interest Margin | 3.61% | 3.92% | 3.86% | 3.71% | 3.59% | 3.57% | 3.26% | 3.21% | -51 bps | |
| Efficiency Ratio | 61.97% | 58.02% | 57.31% | 61.61% | 64.90% | 67.28% | 71.12% | 98.94% | +3,733 bps | |
| Non-Interest Burden | 2.00% | 1.97% | 1.87% | 1.99% | 2.06% | 2.14% | 2.09% | 3.16% | +117 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.08% | -9.22% | -6.82% | -3.18% | -3.01% | -0.06% | 0.45% | 0.30% | +348 bps | |
| Loan Growth (YoY) | 4.31% | 6.20% | 7.67% | 6.08% | 6.60% | 4.50% | 5.60% | 3.19% | -289 bps | |
| Deposit Growth (YoY) | -1.83% | -9.33% | -9.76% | -7.70% | -5.51% | -3.62% | 1.33% | 3.57% | +1,127 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.95% | 0.67% | 0.52% | 0.67% | 0.45% | 0.21% | 0.40% | 0.51% | -16 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.23% | 0.15% | 0.20% | -0.15% | 0.03% | -0.06% | 0.17% | -3 bps | |
| Allowance / Loans | 1.39% | 1.27% | 1.31% | 1.23% | 1.26% | 1.20% | 1.24% | 1.16% | -7 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.9x | 2.5x | 1.8x | 2.8x | 5.7x | 3.1x | 2.3x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.32% | 10.96% | 11.43% | 11.63% | 11.75% | 11.98% | 11.97% | 11.83% | +20 bps | |
| Total Risk-Based Capital | 15.17% | 15.34% | 15.54% | 15.66% | 15.84% | 16.14% | 16.12% | 15.88% | +22 bps | |
| Equity / Assets | 9.06% | 9.75% | 10.09% | 10.07% | 10.08% | 10.79% | 10.74% | 10.52% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.13% | 83.85% | 86.93% | 89.10% | 89.28% | 90.91% | 90.59% | 88.78% | -32 bps | |
| Liquid Assets / Assets | 8.91% | 4.55% | 3.79% | 3.12% | 1.32% | 0.50% | 0.50% | 1.17% | -195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |