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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.57% | 0.61% | 0.71% | 0.93% | 0.96% | 1.11% | 1.23% | +51 bps | |
| Return on Equity | 6.08% | 6.15% | 6.64% | 7.61% | 9.78% | 10.04% | 11.61% | 12.86% | +525 bps | |
| Net Interest Margin | 2.36% | 2.39% | 2.44% | 2.71% | 2.86% | 2.91% | 3.10% | 3.24% | +54 bps | |
| Efficiency Ratio | 69.58% | 68.51% | 68.24% | 59.67% | 57.37% | 58.02% | 54.11% | 51.20% | -846 bps | |
| Non-Interest Burden | 1.57% | 1.56% | 1.59% | 1.51% | 1.52% | 1.58% | 1.54% | 1.52% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.69% | 16.74% | 15.14% | 12.19% | 9.25% | 12.50% | 13.63% | 13.71% | +152 bps | |
| Loan Growth (YoY) | 19.30% | 16.70% | 15.45% | 15.53% | 15.31% | 16.05% | 16.23% | 15.48% | -5 bps | |
| Deposit Growth (YoY) | 25.19% | 22.12% | 19.45% | 16.31% | 14.43% | 18.46% | 20.18% | 19.81% | +350 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.01% | 0.03% | 0.02% | 0.20% | 0.19% | 0.20% | 0.19% | +16 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.58% | 0.59% | 0.58% | 0.62% | 0.62% | 0.61% | 0.61% | 0.61% | -1 bps | |
| Allowance Coverage of NPLs | 37.7x | 40.0x | 21.5x | 24.9x | 3.1x | 3.3x | 3.1x | 3.2x | -21.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.55% | 9.22% | 9.34% | 9.76% | 9.59% | 9.68% | 9.64% | 9.82% | +6 bps | |
| Total Risk-Based Capital | 11.74% | 11.34% | 11.12% | 11.35% | 11.45% | 11.60% | 11.32% | 11.39% | +5 bps | |
| Equity / Assets | 9.33% | 9.23% | 9.25% | 9.53% | 9.50% | 9.61% | 9.50% | 9.62% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.63% | 104.29% | 106.67% | 107.28% | 103.42% | 102.16% | 103.16% | 103.40% | -388 bps | |
| Liquid Assets / Assets | 10.95% | 9.08% | 7.12% | 6.25% | 6.74% | 7.01% | 6.01% | 5.78% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 233% | 231% | 238% | n/a | n/a | |