Milton, PA · Cert 28637
State savings bank · OCC · 1 branch
Q2 2026
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.55% | -0.40% | -0.32% | 0.12% | 0.25% | +80 bps | |
| Return on Equity | -3.52% | -2.58% | -2.05% | 0.83% | 1.69% | +521 bps | |
| Net Interest Margin | 2.62% | 2.64% | 2.67% | 2.96% | 3.03% | +41 bps | |
| Efficiency Ratio | 108.71% | 105.74% | 103.49% | 96.25% | 89.91% | -1,880 bps | |
| Non-Interest Burden | 2.85% | 2.80% | 2.77% | 2.85% | 2.72% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.21% | 10.07% | 13.33% | 12.00% | 11.92% | +571 bps | |
| Loan Growth (YoY) | 26.38% | 26.22% | 25.32% | 20.28% | 15.98% | -1,040 bps | |
| Deposit Growth (YoY) | 6.26% | 5.85% | 12.94% | 14.82% | 13.78% | +752 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.18% | 0.35% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.11% | 1.10% | 1.14% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 6.3x | 3.1x | 17.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 18.55% | 18.10% | 17.74% | 17.09% | 16.89% | -166 bps | |
| Total Risk-Based Capital | 37.95% | 35.99% | 34.50% | 33.21% | 32.60% | -535 bps | |
| Equity / Assets | 15.26% | 15.13% | 14.87% | 14.37% | 14.48% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.66% | 92.09% | 89.69% | 89.15% | 88.33% | +168 bps | |
| Liquid Assets / Assets | 1.23% | 4.93% | 3.63% | 3.10% | 1.95% | +72 bps | |
| CRE / Total Capital | n/a | 60.58% | 61.13% | 72.96% | n/a | n/a | |