Stroudsburg, PA · Cert 28262
FDIC · 21 branches
Q2 2025
Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2025 SOD (annual) · 1.6% share · #17 of 33 inst. · $0.4B of $22.3B
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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.75% | 0.74% | 0.65% | 0.57% | -18 bps | |
| Return on Equity | 7.78% | 7.66% | 7.43% | 6.14% | 5.37% | -241 bps | |
| Net Interest Margin | 2.64% | 2.65% | 2.59% | 2.59% | 2.64% | -1 bps | |
| Efficiency Ratio | 71.06% | 70.69% | 71.58% | 72.39% | 73.75% | +269 bps | |
| Non-Interest Burden | 1.76% | 1.75% | 1.74% | 1.76% | 1.83% | +7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.09% | -4.60% | -1.11% | -0.77% | -2.84% | -493 bps | |
| Loan Growth (YoY) | 5.81% | 3.55% | 2.97% | 2.76% | 2.45% | -336 bps | |
| Deposit Growth (YoY) | 1.89% | -1.90% | 6.87% | 16.73% | -4.93% | -682 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.54% | 0.48% | 0.46% | 0.44% | -10 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 0.89% | 0.87% | 0.85% | 0.84% | 0.89% | 0 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.6x | 1.8x | 1.9x | 2.0x | +0.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.79% | 10.01% | 10.04% | 10.27% | 10.25% | +46 bps | |
| Total Risk-Based Capital | 13.99% | 14.22% | 14.52% | 13.79% | 14.91% | +92 bps | |
| Equity / Assets | 9.74% | 10.23% | 10.40% | 10.73% | 10.60% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 109.84% | 107.55% | 103.56% | 104.03% | 118.37% | +853 bps | |
| Liquid Assets / Assets | 7.13% | 3.18% | 3.87% | 2.66% | 3.25% | -388 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |