Huntingdon, PA · Cert 30031
SI · FDIC · 1 branch
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 | 0.04% | 0.20% | 0.43% | 0.39% | 0.20% | +16 bps | |
| Return on Equity | 0.20% | 0.91% | 1.91% | 1.70% | 0.90% | +69 bps | |
| Net Interest Margin | 2.28% | 2.30% | 2.34% | 2.49% | 2.43% | +15 bps | |
| Efficiency Ratio | 97.09% | 89.42% | 75.00% | 77.48% | 88.07% | -901 bps | |
| Non-Interest Burden | 2.22% | 2.05% | 1.75% | 1.92% | 2.14% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.78% | 1.06% | -0.49% | -0.78% | -0.38% | -716 bps | |
| Loan Growth (YoY) | -5.94% | -1.01% | -1.40% | 1.60% | 5.42% | +1,136 bps | |
| Deposit Growth (YoY) | 8.61% | 0.90% | -1.05% | -1.53% | -1.01% | -962 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 2.26% | 0.80% | 0.49% | 3.58% | +308 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.69% | 0.69% | 0.68% | 0.68% | 0.66% | -4 bps | |
| Allowance Coverage of NPLs | 1.4x | 0.3x | 0.8x | 1.4x | 0.2x | -1.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 22.20% | 22.42% | 22.75% | 22.92% | 22.67% | +47 bps | |
| Total Risk-Based Capital | 49.68% | 49.14% | 50.07% | 51.43% | 48.45% | -122 bps | |
| Equity / Assets | 22.10% | 22.45% | 22.89% | 22.76% | 22.49% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.32% | 100.01% | 103.14% | 101.77% | 103.64% | +632 bps | |
| Liquid Assets / Assets | 20.26% | 18.37% | 16.55% | 17.44% | 14.27% | -599 bps | |
| CRE / Total Capital | n/a | 12.97% | 12.78% | 14.00% | n/a | n/a | |