Bank of Bird-In-Hand
Bird in Hand, PA · Cert 59074 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Gelt Bcorp Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
$1.9BAssets
$1.7BLoans
$1.7BDeposits
$183.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 27 of 258).
- Widest gap: tier 1 capital ratio trails 83% of banks $1B-$10B in assets operating in a single state (rank 215 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.13%
Rank 146 of 258
Net Interest Margin
3.12%
Rank 196 of 258
Efficiency Ratio
52.60%
Rank 73 of 257
Equity / Assets
9.62%
Rank 158 of 258
Non-interest income vs. expense
Unfavorable gap of $28.2M · efficiency ratio beats 72% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.93% | 1.23% | 1.54% | Beats 43% | 146 / 258 | |
| Return on Equity | 11.74% | 9.26% | 11.84% | 14.74% | Beats 49% | 131 / 258 | |
| Net Interest Margin | 3.12% | 3.16% | 3.49% | 3.88% | Beats 24% | 196 / 258 | |
| Efficiency Ratio | 52.60% | 51.71% | 60.30% | 69.65% | Beats 72% | 73 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.19% | 0.46% | 0.90% | Beats 76% | 63 / 258 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 90% | 27 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.76% | 11.41% | 12.98% | 15.12% | Beats 17% | 215 / 258 | |
| Total Risk-Based Capital Ratio | 11.39% | 12.10% | 13.91% | 16.08% | Beats 19% | 210 / 258 | |
| Equity / Assets | 9.62% | 9.09% | 10.24% | 11.72% | Beats 39% | 158 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 103.40% | 73.24% | 86.34% | 95.95% | 88th pctl | 30 / 258 | |
| Loans / Assets | 91.18% | 63.01% | 72.27% | 78.40% | 99th pctl | 2 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |