Belleville, PA · Cert 14969 · Kish Bcorp Inc.
State charter, non-member · FDIC · 17 branches
Q2 2026
Market Position · State College, PA · 2026 SOD (annual) · 12.6% share · #3 of 16 inst. · $0.6B of $4.6B
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 | 0.98% | 1.02% | 0.95% | 0.96% | 1.04% | 1.10% | 1.16% | 1.18% | +21 bps | |
| Return on Equity | 11.93% | 12.29% | 11.39% | 11.53% | 12.52% | 13.15% | 13.71% | 13.92% | +239 bps | |
| Net Interest Margin | 3.05% | 3.03% | 3.14% | 3.14% | 3.14% | 3.12% | 3.33% | 3.35% | +20 bps | |
| Efficiency Ratio | 67.12% | 67.09% | 68.57% | 68.15% | 65.69% | 64.33% | 61.62% | 61.25% | -690 bps | |
| Non-Interest Burden | 1.81% | 1.80% | 1.92% | 1.92% | 1.82% | 1.76% | 1.78% | 1.78% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.92% | 9.72% | 14.32% | 13.82% | 16.20% | 16.62% | 11.84% | 13.66% | -16 bps | |
| Loan Growth (YoY) | 18.70% | 15.51% | 19.22% | 17.84% | 20.21% | 19.39% | 14.36% | 14.39% | -346 bps | |
| Deposit Growth (YoY) | 14.72% | 10.22% | 8.92% | 6.97% | 7.62% | 13.68% | 16.41% | 11.50% | +454 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.05% | 0.04% | 0.03% | 0.04% | 0.04% | 0.60% | 0.57% | +54 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.02% | 0.00% | -0.01% | -0.01% | 0.00% | 0.00% | 0.03% | +4 bps | |
| Allowance / Loans | 0.63% | 0.63% | 0.63% | 0.65% | 0.65% | 0.65% | 0.70% | 0.70% | +4 bps | |
| Allowance Coverage of NPLs | 11.1x | 12.3x | 15.8x | 20.1x | 17.8x | 17.0x | 1.2x | 1.2x | -18.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.00% | 9.02% | 9.06% | 8.91% | 8.92% | 8.84% | 8.88% | 8.92% | +2 bps | |
| Total Risk-Based Capital | 10.66% | 10.64% | 10.53% | 10.55% | 10.51% | 10.57% | 10.99% | 10.87% | +33 bps | |
| Equity / Assets | 8.39% | 8.37% | 8.36% | 8.30% | 8.26% | 8.37% | 8.57% | 8.40% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.97% | 109.28% | 114.93% | 114.37% | 118.37% | 114.77% | 112.91% | 117.33% | +296 bps | |
| Liquid Assets / Assets | 0.99% | 0.75% | 0.80% | 0.75% | 0.49% | 0.40% | 0.31% | 0.33% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 545% | 548% | 527% | n/a | n/a | |