York, PA · Cert 57377
FDIC · 8 branches
Q4 2024
Market Position · York-Hanover, PA · 2024 SOD (annual) · 7.1% share · #5 of 16 inst. · $0.7B of $9.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.66% | 0.87% | -0.15% | 0.72% | +39 bps | |
| Return on Equity | 4.45% | 8.69% | 11.31% | -1.89% | 9.12% | +466 bps | |
| Net Interest Margin | 2.82% | 2.76% | 2.83% | 2.82% | 2.94% | +12 bps | |
| Efficiency Ratio | 86.05% | 75.83% | 74.35% | 78.34% | 77.87% | -818 bps | |
| Non-Interest Burden | 2.34% | 1.89% | 1.85% | 2.04% | 2.15% | -19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.14% | 4.03% | 2.50% | 1.11% | 3.57% | -457 bps | |
| Loan Growth (YoY) | 11.08% | 7.57% | 3.23% | 2.43% | 1.92% | -916 bps | |
| Deposit Growth (YoY) | 8.69% | 3.11% | 6.39% | 5.00% | 2.55% | -613 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.55% | 0.63% | 0.83% | 0.64% | +5 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.01% | 0.00% | 0.92% | +85 bps | |
| Allowance / Loans | 0.55% | 0.56% | 0.54% | 0.82% | 0.59% | +4 bps | |
| Allowance Coverage of NPLs | 0.9x | 1.0x | 0.9x | 1.0x | 0.9x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.69% | 8.91% | 8.97% | 8.79% | 9.02% | +33 bps | |
| Total Risk-Based Capital | 12.11% | 12.21% | 12.23% | 12.22% | 12.36% | +24 bps | |
| Equity / Assets | 7.58% | 7.66% | 7.74% | 7.95% | 7.75% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.47% | 93.86% | 94.11% | 95.14% | 91.89% | -57 bps | |
| Liquid Assets / Assets | 0.91% | 0.27% | 1.06% | 0.48% | 4.32% | +341 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |