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 | |