Middletown, MD · Cert 14017 · Community Heritage Finl Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
62
Profitability
22
Liquidity
94
Efficiency
45
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Middletown, MD · Cert 14017 · Community Heritage Finl Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Market Position · Hagerstown-Martinsburg, MD-WV · 2026 SOD (annual) · 9.9% share · #5 of 17 inst. · $0.6B of $6.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.74% | 0.83% | 0.92% | 0.88% | 0.90% | 1.13% | 0.45% | -48 bps | |
| Return on Equity | 8.72% | 8.73% | 9.37% | 10.45% | 9.95% | 10.08% | 12.53% | 5.06% | -539 bps | |
| Net Interest Margin | 2.85% | 3.00% | 3.35% | 3.29% | 3.30% | 3.36% | 3.63% | 3.67% | +38 bps | |
| Efficiency Ratio | 69.40% | 68.46% | 67.64% | 64.91% | 64.33% | 65.07% | 61.60% | 61.01% | -390 bps | |
| Non-Interest Burden | 1.86% | 1.93% | 2.17% | 2.01% | 1.99% | 2.06% | 2.12% | 2.10% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.31% | 3.20% | -0.60% | 0.41% | -0.53% | 10.65% | 9.01% | 8.94% | +853 bps | |
| Loan Growth (YoY) | 6.39% | 4.68% | 3.83% | 3.28% | 6.04% | 9.63% | 10.10% | 11.79% | +851 bps | |
| Deposit Growth (YoY) | 4.72% | 3.22% | 2.97% | 5.10% | 5.29% | 8.45% | 6.88% | 10.26% | +516 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.18% | 0.18% | 0.17% | 0.17% | 0.23% | 0.22% | 0.13% | 0.12% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.02% | +2 bps | |
| Allowance / Loans | 0.96% | 0.97% | 0.99% | 0.99% | 1.07% | 1.05% | 1.02% | 1.03% | +4 bps | |
| Allowance Coverage of NPLs | 5.2x | 5.4x | 5.7x | 6.0x | 4.7x | 4.9x | 7.9x | 8.3x | +2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.90% | 9.06% | 9.47% | 9.29% | 9.32% | 9.48% | 9.47% | 9.18% | -12 bps | |
| Total Risk-Based Capital | 13.36% | 13.23% | 13.23% | 13.41% | 13.36% | 13.14% | 13.16% | 12.89% | -52 bps | |
| Equity / Assets | 8.41% | 8.92% | 8.81% | 8.76% | 9.03% | 8.97% | 9.00% | 8.43% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.28% | 93.86% | 92.58% | 89.27% | 91.93% | 94.88% | 95.36% | 90.51% | +124 bps | |
| Liquid Assets / Assets | 16.09% | 10.09% | 11.97% | 13.27% | 10.20% | 9.79% | 10.23% | 5.74% | -753 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 410% | 418% | 412% | n/a | n/a | |
Middletown, MD · Cert 14017 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Community Heritage Finl Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
Return on Assets
0.43%
Rank 167 of 176
Net Interest Margin
3.67%
Rank 77 of 176
Efficiency Ratio
61.01%
Rank 98 of 176
Equity / Assets
8.43%
Rank 153 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.43% | 0.93% | 1.26% | 1.54% | Beats 5% | 167 / 176 | ||
| Return on Equity | 5.12% | 9.26% | 11.89% | 14.46% | Beats 6% | 166 / 176 | ||
| Net Interest Margin | 3.67% | 3.25% | 3.59% | 3.93% | Beats 56% | 77 / 176 | ||
| Efficiency Ratio | 61.01% | 52.79% | 59.55% | 67.66% | Beats 45% | 98 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.30% | 0.64% | 1.32% | Beats 90% | 18 / 176 | ||
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.10% | Beats 34% | 118 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.72% | 11.15% | 12.72% | 14.15% | Beats 35% | 115 / 176 | ||
| Total Risk-Based Capital Ratio | 12.89% | 11.81% | 13.63% | 15.33% | Beats 39% | 107 / 176 | ||
| Equity / Assets | 8.43% | 9.16% | 10.35% | 11.80% | Beats 13% | 153 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.51% | 80.94% | 89.73% | 97.21% | 52nd pctl | 85 / 176 | ||
| Loans / Assets | 81.82% | 69.25% | 75.12% | 80.82% | 80th pctl | 36 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||