Altoona, PA · Cert 30121
SI · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
46
Profitability
9
Liquidity
40
Efficiency
15
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Altoona, PA · Cert 30121
SI · FDIC · 2 branches
Q2 2026
Market Position · Altoona, PA · 2026 SOD (annual) · 1.9% share · #11 of 16 inst. · $0.1B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.12% | 0.23% | 0.28% | 0.32% | 0.32% | 0.36% | 0.41% | +13 bps | |
| Return on Equity | 0.98% | 0.59% | 1.15% | 1.36% | 1.57% | 1.57% | 1.74% | 1.95% | +59 bps | |
| Net Interest Margin | 2.07% | 2.13% | 2.14% | 2.19% | 2.23% | 2.29% | 2.44% | 2.48% | +29 bps | |
| Efficiency Ratio | 90.43% | 94.65% | 88.28% | 85.68% | 83.84% | 83.95% | 82.47% | 81.13% | -455 bps | |
| Non-Interest Burden | 1.86% | 2.01% | 1.87% | 1.86% | 1.84% | 1.89% | 1.99% | 1.98% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.23% | -0.59% | -1.33% | -2.51% | 0.66% | 3.42% | 0.84% | 1.97% | +449 bps | |
| Loan Growth (YoY) | 0.62% | -0.79% | -0.35% | -1.60% | -0.44% | -1.21% | -2.44% | -2.83% | -123 bps | |
| Deposit Growth (YoY) | -4.39% | 0.19% | -0.50% | 0.55% | 4.16% | 4.16% | 1.08% | 0.17% | -38 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.64% | 0.24% | 0.51% | 0.21% | 0.46% | 0.18% | 0.26% | 0.13% | -8 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | 0.01% | 0.06% | 0.05% | +4 bps | |
| Allowance / Loans | 0.83% | 0.82% | 0.82% | 0.84% | 0.83% | 0.83% | 0.84% | 0.83% | 0 bps | |
| Allowance Coverage of NPLs | 1.3x | 3.4x | 1.6x | 3.9x | 1.8x | 4.6x | 3.2x | 6.2x | +2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.57% | 22.18% | 21.66% | 21.79% | 21.73% | 21.86% | 21.74% | 21.72% | -7 bps | |
| Total Risk-Based Capital | 21.57% | 22.18% | 21.66% | 21.79% | 21.73% | 21.86% | 21.74% | 21.72% | -7 bps | |
| Equity / Assets | 20.44% | 20.22% | 20.13% | 20.75% | 20.94% | 20.83% | 20.84% | 21.12% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.93% | 63.66% | 61.67% | 60.88% | 62.06% | 60.38% | 59.52% | 59.06% | -182 bps | |
| Liquid Assets / Assets | 5.04% | 4.35% | 6.36% | 3.77% | 2.84% | 6.01% | 6.65% | 7.76% | +399 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 37.48% | 35.84% | 34.93% | n/a | n/a | |
Altoona, PA · Cert 30121 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 2 branches
Q2 2026
Return on Assets
0.41%
Rank 646 of 746
Net Interest Margin
2.48%
Rank 699 of 746
Efficiency Ratio
81.13%
Rank 634 of 746
Equity / Assets
21.12%
Rank 28 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.41% | 0.72% | 1.06% | 1.45% | Beats 13% | 646 / 746 | ||
| Return on Equity | 1.94% | 6.74% | 10.51% | 13.63% | Beats 8% | 685 / 746 | ||
| Net Interest Margin | 2.48% | 3.17% | 3.68% | 4.16% | Beats 6% | 699 / 746 | ||
| Efficiency Ratio | 81.13% | 55.74% | 64.58% | 75.47% | Beats 15% | 634 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 72% | 212 / 743 | ||
| Net Charge-Offs / Loans | 0.07% | 0.00% | 0.01% | 0.05% | Beats 19% | 604 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.72% | 11.55% | 13.75% | 17.60% | Beats 86% | 103 / 746 | ||
| Total Risk-Based Capital Ratio | 21.72% | 11.71% | 14.33% | 18.43% | Beats 84% | 117 / 746 | ||
| Equity / Assets | 21.12% | 8.90% | 10.51% | 13.06% | Beats 96% | 28 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.06% | 61.31% | 78.27% | 90.78% | 21st pctl | 591 / 746 | ||
| Loans / Assets | 42.39% | 53.60% | 66.97% | 76.08% | 12th pctl | 655 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||