Altoona, PA · Cert 30119
SI · FDIC · 8 branches
Q2 2026
Market Position · Johnstown, PA · 2026 SOD (annual) · 3.0% share · #7 of 13 inst. · $0.1B of $4.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.18% | 0.24% | 0.52% | 0.49% | 0.36% | 0.39% | 0.55% | +4 bps | |
| Return on Equity | 2.11% | 1.42% | 2.03% | 4.30% | 3.98% | 2.87% | 3.10% | 4.53% | +23 bps | |
| Net Interest Margin | 2.51% | 2.59% | 2.56% | 2.76% | 2.78% | 2.76% | 2.77% | 2.86% | +10 bps | |
| Efficiency Ratio | 89.17% | 93.21% | 90.74% | 79.39% | 80.54% | 85.78% | 85.24% | 76.89% | -249 bps | |
| Non-Interest Burden | 2.21% | 2.41% | 2.30% | 2.11% | 2.17% | 2.32% | 2.31% | 2.10% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.68% | 2.40% | 3.97% | 4.73% | 5.97% | 5.74% | 4.52% | 5.56% | +83 bps | |
| Loan Growth (YoY) | 3.15% | 2.58% | 2.49% | 2.17% | 1.54% | 1.75% | 1.91% | 3.17% | +100 bps | |
| Deposit Growth (YoY) | 1.33% | 4.08% | 4.49% | 5.80% | 6.89% | 3.95% | 4.75% | 5.30% | -50 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.52% | 0.52% | 0.47% | 0.45% | 0.44% | 0.47% | 0.48% | 0.50% | +5 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.05% | 0.03% | 0.08% | 0.03% | 0.14% | 0.00% | 0.01% | -7 bps | |
| Allowance / Loans | 0.23% | 0.22% | 0.21% | 0.19% | 0.18% | 0.14% | 0.14% | 0.17% | -2 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.4x | 0.4x | 0.4x | 0.3x | 0.3x | 0.3x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.14% | 14.08% | 13.83% | 13.71% | 13.82% | 13.85% | 13.72% | 13.48% | -23 bps | |
| Total Risk-Based Capital | 14.14% | 14.08% | 13.83% | 13.71% | 13.82% | 13.85% | 13.72% | 13.48% | -23 bps | |
| Equity / Assets | 12.82% | 12.14% | 11.98% | 12.02% | 12.53% | 12.63% | 12.22% | 12.20% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.20% | 78.61% | 76.29% | 76.02% | 76.19% | 76.95% | 74.22% | 74.48% | -154 bps | |
| Liquid Assets / Assets | 2.12% | 3.51% | 2.23% | 2.24% | 2.86% | 2.58% | 2.62% | 2.50% | +25 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 19.95% | 20.89% | 23.07% | n/a | n/a | |