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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.72% | 0.71% | 0.61% | 0.66% | 0.77% | 0.46% | 0.52% | -9 bps | |
| Return on Equity | 10.58% | 9.73% | 9.68% | 8.30% | 8.69% | 10.00% | 5.93% | 6.77% | -154 bps | |
| Net Interest Margin | 3.23% | 3.12% | 3.08% | 3.00% | 2.76% | 2.77% | 2.77% | 2.84% | -16 bps | |
| Efficiency Ratio | 78.46% | 77.83% | 76.92% | 79.05% | 75.83% | 75.06% | 76.15% | 76.57% | -248 bps | |
| Non-Interest Burden | 2.37% | 2.26% | 2.21% | 2.23% | 1.89% | 1.86% | 1.91% | 1.99% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 9.81% | 9.99% | 8.14% | 4.03% | 2.50% | 1.11% | 3.57% | -457 bps | |
| Loan Growth (YoY) | 16.18% | 16.66% | 14.64% | 11.08% | 7.57% | 3.23% | 2.43% | 1.92% | -916 bps | |
| Deposit Growth (YoY) | 4.46% | -0.35% | 6.46% | 8.69% | 3.11% | 6.39% | 5.00% | 2.55% | -613 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.59% | 0.55% | 0.59% | 0.55% | 0.63% | 0.83% | 0.64% | +5 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.04% | -0.03% | 0.00% | 0.00% | 0.01% | 0.00% | 0.23% | +23 bps | |
| Allowance / Loans | 0.51% | 0.52% | 0.53% | 0.55% | 0.56% | 0.54% | 0.82% | 0.59% | +4 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.9x | 1.0x | 0.9x | 1.0x | 0.9x | 1.0x | 0.9x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.07% | 8.73% | 8.67% | 8.69% | 8.91% | 8.97% | 8.79% | 9.02% | +33 bps | |
| Total Risk-Based Capital | 12.14% | 11.65% | 11.73% | 12.11% | 12.21% | 12.23% | 12.22% | 12.36% | +24 bps | |
| Equity / Assets | 7.70% | 7.25% | 7.06% | 7.58% | 7.66% | 7.74% | 7.95% | 7.75% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.97% | 97.00% | 97.53% | 92.47% | 93.86% | 94.11% | 95.14% | 91.89% | -57 bps | |
| Liquid Assets / Assets | 0.21% | 0.30% | 0.23% | 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 | n/a | n/a | n/a |