Milroy, PA · Cert 28186
SI · FDIC · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 1.02% | 0.78% | 0.76% | 0.97% | +16 bps | |
| Return on Equity | 7.03% | 8.65% | 6.49% | 6.48% | 8.36% | +133 bps | |
| Net Interest Margin | 3.83% | 4.15% | 4.06% | 4.15% | 4.25% | +42 bps | |
| Efficiency Ratio | 70.15% | 67.52% | 78.45% | 74.53% | 72.17% | +202 bps | |
| Non-Interest Burden | 2.33% | 2.50% | 3.00% | 2.86% | 2.79% | +45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.78% | 0.62% | 2.91% | 7.06% | 7.54% | +576 bps | |
| Loan Growth (YoY) | 3.95% | 6.04% | 6.13% | 8.76% | 7.94% | +399 bps | |
| Deposit Growth (YoY) | 0.44% | -1.15% | -0.28% | 3.91% | 8.49% | +805 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.73% | 0.48% | 0.55% | 0.47% | 0.36% | -37 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.10% | 0.38% | 0.09% | -0.01% | -22 bps | |
| Allowance / Loans | 1.20% | 1.22% | 1.13% | 1.16% | 1.20% | 0 bps | |
| Allowance Coverage of NPLs | 1.6x | 2.6x | 2.0x | 2.5x | 3.4x | +1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.69% | 11.80% | 11.79% | 11.76% | 11.69% | 0 bps | |
| Total Risk-Based Capital | 11.69% | 11.80% | 11.79% | 11.76% | 11.69% | 0 bps | |
| Equity / Assets | 11.66% | 11.98% | 11.96% | 11.57% | 11.76% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.28% | 98.75% | 100.18% | 97.55% | 94.80% | -48 bps | |
| Liquid Assets / Assets | 4.90% | 2.76% | 3.45% | 5.91% | 6.50% | +161 bps | |
| CRE / Total Capital | n/a | 226% | 223% | 226% | n/a | n/a | |