Bird in Hand, PA · Cert 59074 · Gelt Bcorp Inc.
State charter, non-member · FDIC · 15 branches
Q2 2026
Market Position · Lancaster, PA · 2026 SOD (annual) · 7.7% share · #5 of 25 inst. · $1.5B of $18.9B
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 | 0.66% | 0.76% | 0.81% | 1.11% | 1.17% | +51 bps | |
| Return on Equity | 7.10% | 8.05% | 8.57% | 11.61% | 12.20% | +510 bps | |
| Net Interest Margin | 2.55% | 2.58% | 2.59% | 3.10% | 3.12% | +57 bps | |
| Efficiency Ratio | 63.69% | 61.36% | 60.42% | 54.11% | 52.60% | -1,108 bps | |
| Non-Interest Burden | 1.53% | 1.49% | 1.47% | 1.54% | 1.51% | -2 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.19% | 9.25% | 12.50% | 13.63% | 13.71% | +152 bps | |
| Loan Growth (YoY) | 15.53% | 15.31% | 16.05% | 16.23% | 15.48% | -5 bps | |
| Deposit Growth (YoY) | 16.31% | 14.43% | 18.46% | 20.18% | 19.81% | +350 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.20% | 0.19% | 0.20% | 0.19% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.62% | 0.62% | 0.61% | 0.61% | 0.61% | -1 bps | |
| Allowance Coverage of NPLs | 24.9x | 3.1x | 3.3x | 3.1x | 3.2x | -21.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.76% | 9.59% | 9.68% | 9.64% | 9.82% | +6 bps | |
| Total Risk-Based Capital | 11.35% | 11.45% | 11.60% | 11.32% | 11.39% | +5 bps | |
| Equity / Assets | 9.53% | 9.50% | 9.61% | 9.50% | 9.62% | +9 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.28% | 103.42% | 102.16% | 103.16% | 103.40% | -388 bps | |
| Liquid Assets / Assets | 6.25% | 6.74% | 7.01% | 6.01% | 5.78% | -47 bps | |
| CRE / Total Capital | n/a | 233% | 231% | 238% | n/a | n/a | |