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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.32% | 0.32% | 0.36% | 0.41% | +13 bps | |
| Return on Equity | 1.36% | 1.57% | 1.57% | 1.74% | 1.95% | +59 bps | |
| Net Interest Margin | 2.19% | 2.23% | 2.29% | 2.44% | 2.48% | +29 bps | |
| Efficiency Ratio | 85.68% | 83.84% | 83.95% | 82.47% | 81.13% | -455 bps | |
| Non-Interest Burden | 1.86% | 1.84% | 1.89% | 1.99% | 1.98% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.51% | 0.66% | 3.42% | 0.84% | 1.97% | +449 bps | |
| Loan Growth (YoY) | -1.60% | -0.44% | -1.21% | -2.44% | -2.83% | -123 bps | |
| Deposit Growth (YoY) | 0.55% | 4.16% | 4.16% | 1.08% | 0.17% | -38 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.21% | 0.46% | 0.18% | 0.26% | 0.13% | -8 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | 0.05% | +4 bps | |
| Allowance / Loans | 0.84% | 0.83% | 0.83% | 0.84% | 0.83% | 0 bps | |
| Allowance Coverage of NPLs | 3.9x | 1.8x | 4.6x | 3.2x | 6.2x | +2.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 21.79% | 21.73% | 21.86% | 21.74% | 21.72% | -7 bps | |
| Total Risk-Based Capital | 21.79% | 21.73% | 21.86% | 21.74% | 21.72% | -7 bps | |
| Equity / Assets | 20.75% | 20.94% | 20.83% | 20.84% | 21.12% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.88% | 62.06% | 60.38% | 59.52% | 59.06% | -182 bps | |
| Liquid Assets / Assets | 3.77% | 2.84% | 6.01% | 6.65% | 7.76% | +399 bps | |
| CRE / Total Capital | n/a | 37.48% | 35.84% | 34.93% | n/a | n/a | |