Altoona, PA · Cert 27711
SI · FDIC · 5 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 under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
24
Profitability
36
Liquidity
87
Efficiency
55
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.
Altoona, PA · Cert 27711
SI · FDIC · 5 branches
Q2 2026
Market Position · Altoona, PA · 2026 SOD (annual) · 4.8% share · #6 of 16 inst. · $0.2B of $4.1B
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 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.73% | 0.73% | 0.75% | 0.79% | 0.82% | 0.89% | 0.87% | +13 bps | |
| Return on Equity | 6.10% | 5.89% | 5.91% | 6.00% | 6.25% | 6.43% | 6.64% | 6.47% | +47 bps | |
| Net Interest Margin | 3.21% | 3.25% | 3.25% | 3.26% | 3.33% | 3.36% | 3.61% | 3.65% | +39 bps | |
| Efficiency Ratio | 72.70% | 73.91% | 69.86% | 69.50% | 68.85% | 68.94% | 64.72% | 62.80% | -670 bps | |
| Non-Interest Burden | 2.22% | 2.28% | 2.14% | 2.15% | 2.19% | 2.20% | 2.22% | 2.16% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.36% | 2.32% | 4.63% | 5.97% | 4.75% | 5.59% | 4.09% | 1.51% | -446 bps | |
| Loan Growth (YoY) | 0.65% | 1.14% | 0.35% | 3.83% | 7.55% | 8.41% | 9.59% | 7.21% | +338 bps | |
| Deposit Growth (YoY) | -0.16% | 1.85% | 3.98% | 5.86% | 4.79% | 4.38% | 3.02% | -0.18% | -604 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.12% | 0.32% | 1.33% | 1.90% | 2.30% | 1.61% | 1.95% | 2.87% | +97 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.12% | 0.58% | 0.51% | -0.01% | 0.03% | -10 bps | |
| Allowance / Loans | 1.35% | 1.35% | 1.39% | 1.30% | 0.93% | 0.94% | 1.05% | 1.21% | -9 bps | |
| Allowance Coverage of NPLs | 11.4x | 4.3x | 1.0x | 0.7x | 0.4x | 0.6x | 0.5x | 0.4x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.57% | 13.60% | 13.58% | 13.61% | 13.77% | 13.84% | 13.91% | 14.14% | +53 bps | |
| Total Risk-Based Capital | 13.57% | 13.60% | 13.58% | 13.61% | 13.77% | 13.84% | 13.91% | 14.14% | +53 bps | |
| Equity / Assets | 12.87% | 12.41% | 12.44% | 12.44% | 13.09% | 13.35% | 13.38% | 13.80% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.26% | 68.51% | 66.46% | 69.05% | 71.08% | 71.16% | 70.70% | 74.16% | +511 bps | |
| Liquid Assets / Assets | 6.50% | 5.39% | 7.90% | 6.46% | 4.90% | 5.11% | 6.45% | 3.99% | -247 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 213% | 213% | 213% | n/a | n/a | |
Altoona, PA · Cert 27711 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 5 branches
Q2 2026
Return on Assets
0.88%
Rank 471 of 746
Net Interest Margin
3.65%
Rank 381 of 746
Efficiency Ratio
62.80%
Rank 333 of 746
Equity / Assets
13.80%
Rank 153 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.72% | 1.06% | 1.45% | Beats 37% | 471 / 746 | ||
| Return on Equity | 6.38% | 6.74% | 10.51% | 13.63% | Beats 23% | 573 / 746 | ||
| Net Interest Margin | 3.65% | 3.17% | 3.68% | 4.16% | Beats 49% | 381 / 746 | ||
| Efficiency Ratio | 62.80% | 55.74% | 64.58% | 75.47% | Beats 55% | 333 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.87% | 0.09% | 0.42% | 1.07% | Beats 6% | 701 / 743 | ||
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 41% | 439 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.14% | 11.55% | 13.75% | 17.60% | Beats 53% | 348 / 746 | ||
| Total Risk-Based Capital Ratio | 14.14% | 11.71% | 14.33% | 18.43% | Beats 48% | 388 / 746 | ||
| Equity / Assets | 13.80% | 8.90% | 10.51% | 13.06% | Beats 79% | 153 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.16% | 61.31% | 78.27% | 90.78% | 43rd pctl | 425 / 746 | ||
| Loans / Assets | 62.91% | 53.60% | 66.97% | 76.08% | 41st pctl | 443 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||