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 | |