Altoona, PA · Cert 30117 · Reliance Bcorp MHC
SI · FDIC · 9 branches
Q2 2026
Market Position · Altoona, PA · 2026 SOD (annual) · 10.4% share · #4 of 16 inst. · $0.4B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.31% | 0.49% | -0.11% | 0.30% | -5 bps | |
| Return on Equity | 3.08% | 2.78% | 4.30% | -0.96% | 2.50% | -58 bps | |
| Net Interest Margin | 2.87% | 2.96% | 2.92% | 3.12% | 3.20% | +33 bps | |
| Efficiency Ratio | 79.16% | 77.24% | 75.98% | 101.19% | 88.81% | +965 bps | |
| Non-Interest Burden | 2.15% | 2.16% | 2.08% | 3.15% | 2.77% | +62 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.29% | -1.04% | 1.23% | 1.62% | 1.31% | +103 bps | |
| Loan Growth (YoY) | 7.29% | 7.53% | 5.20% | 3.81% | 6.22% | -107 bps | |
| Deposit Growth (YoY) | -1.21% | -3.50% | -1.08% | 0.30% | 2.39% | +360 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.69% | 0.34% | 0.20% | 0.26% | -50 bps | |
| Net Charge-Offs / Loans | 1.16% | 0.94% | 0.65% | 0.01% | 0.01% | -115 bps | |
| Allowance / Loans | 0.93% | 1.00% | 0.93% | 0.93% | 0.92% | -2 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.5x | 2.8x | 4.5x | 3.5x | +2.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.86% | 12.03% | 11.97% | 11.97% | 12.24% | +38 bps | |
| Total Risk-Based Capital | 16.45% | 16.37% | 16.70% | 14.96% | 16.27% | -18 bps | |
| Equity / Assets | 11.61% | 11.67% | 11.57% | 11.73% | 12.15% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.73% | 95.70% | 90.95% | 94.02% | 98.27% | +354 bps | |
| Liquid Assets / Assets | 0.62% | 1.06% | 6.06% | 3.92% | 0.45% | -17 bps | |
| CRE / Total Capital | n/a | 218% | 204% | 207% | n/a | n/a | |