Jersey Shore, PA · Cert 14359
FDIC · 17 branches
Q2 2025
Market Position · Williamsport, PA · 2025 SOD (annual) · 21.5% share · #1 of 11 inst. · $0.7B of $3.1B
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.75% | 0.74% | 0.85% | 0.82% | 0.78% | 1.53% | 1.10% | +25 bps | |
| Return on Equity | 9.47% | 9.97% | 9.35% | 10.65% | 10.21% | 9.62% | 17.95% | 12.77% | +212 bps | |
| Net Interest Margin | 2.31% | 2.27% | 2.24% | 2.29% | 2.32% | 2.37% | 2.64% | 2.63% | +33 bps | |
| Efficiency Ratio | 69.68% | 70.01% | 69.45% | 69.07% | 67.07% | 67.41% | 66.56% | 64.68% | -439 bps | |
| Non-Interest Burden | 1.48% | 1.46% | 1.41% | 1.45% | 1.42% | 1.45% | 1.62% | 1.55% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.70% | 9.21% | 5.09% | 3.29% | 2.85% | 0.67% | 1.84% | 1.18% | -211 bps | |
| Loan Growth (YoY) | 14.83% | 10.71% | 7.00% | 4.30% | 2.67% | 1.87% | 2.62% | 1.78% | -252 bps | |
| Deposit Growth (YoY) | -4.88% | -0.62% | -7.38% | 1.52% | 6.20% | 3.87% | 5.29% | 2.29% | +76 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.18% | 0.56% | 0.47% | 0.54% | 0.58% | 0.63% | 0.70% | +23 bps | |
| Net Charge-Offs / Loans | -0.05% | -0.07% | 0.04% | -0.05% | -0.01% | 0.00% | -0.31% | -0.11% | -7 bps | |
| Allowance / Loans | 0.80% | 0.73% | 0.72% | 0.67% | 0.69% | 0.72% | 0.57% | 0.60% | -7 bps | |
| Allowance Coverage of NPLs | 4.8x | 4.1x | 1.3x | 1.4x | 1.3x | 1.2x | 0.9x | 0.9x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.00% | 8.34% | 8.36% | 8.46% | 8.51% | 8.57% | 8.75% | 8.84% | +38 bps | |
| Total Risk-Based Capital | 10.28% | 10.70% | 10.69% | 10.62% | 10.75% | 10.85% | 10.90% | 11.04% | +41 bps | |
| Equity / Assets | 7.28% | 7.91% | 8.01% | 8.03% | 8.25% | 8.41% | 8.68% | 8.78% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 122.47% | 119.47% | 119.82% | 120.59% | 118.40% | 117.16% | 116.78% | 119.99% | -60 bps | |
| Liquid Assets / Assets | 0.21% | 0.24% | 0.26% | 0.27% | 0.31% | 0.20% | 0.30% | 0.29% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |