Bedford, PA · Cert 58470
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Altoona, PA · 2026 SOD (annual) · 1.4% share · #12 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 | 0.58% | 0.56% | 0.87% | 0.88% | 0.97% | 0.98% | 1.31% | 1.35% | +48 bps | |
| Return on Equity | 8.07% | 7.69% | 11.12% | 11.23% | 12.42% | 12.50% | 16.45% | 16.90% | +567 bps | |
| Net Interest Margin | 2.47% | 2.71% | 3.09% | 3.12% | 3.18% | 3.14% | 3.72% | 3.77% | +65 bps | |
| Efficiency Ratio | 68.93% | 69.58% | 68.08% | 64.52% | 61.57% | 57.95% | 54.13% | 53.19% | -1,133 bps | |
| Non-Interest Burden | 1.62% | 1.80% | 2.02% | 1.92% | 1.86% | 1.65% | 1.90% | 1.88% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.48% | 3.31% | -4.92% | -2.11% | 11.16% | 14.19% | 13.71% | 10.99% | +1,309 bps | |
| Loan Growth (YoY) | 17.86% | 17.29% | 19.40% | 22.51% | 20.65% | 30.57% | 30.03% | 24.71% | +220 bps | |
| Deposit Growth (YoY) | 2.97% | 2.94% | 4.85% | 8.26% | 12.79% | 13.66% | 13.54% | 10.58% | +232 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.06% | 0.06% | 0.05% | 0.05% | 1.27% | 1.17% | 1.07% | +101 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.05% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 0.68% | 0.78% | 0.73% | 0.75% | 0.76% | 0.80% | 0.83% | 0.88% | +13 bps | |
| Allowance Coverage of NPLs | 11.3x | 12.2x | 12.1x | 13.8x | 15.2x | 0.6x | 0.7x | 0.8x | -13.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.72% | 8.30% | 8.56% | 8.27% | 8.25% | 7.94% | 8.24% | 8.33% | +6 bps | |
| Total Risk-Based Capital | 13.00% | 13.03% | 12.73% | 12.00% | 11.79% | 11.15% | 11.32% | 11.36% | -64 bps | |
| Equity / Assets | 8.00% | 7.70% | 7.90% | 7.79% | 7.86% | 7.98% | 7.95% | 8.11% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.97% | 72.09% | 72.20% | 76.27% | 76.99% | 82.81% | 82.69% | 86.01% | +974 bps | |
| Liquid Assets / Assets | 3.52% | 2.68% | 3.99% | 3.52% | 5.02% | 3.04% | 5.31% | 3.72% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 269% | 291% | 301% | n/a | n/a | |