PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tri State Rail

Erie, PA · Charter 6070

NCUA · 3 branches

Q2 2026

$19.9MAssets
$6.2MLoans
$15.9MShares
$4.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 13 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.50% of loans (-84 bps YoY).
  • Capital: net worth / assets of 19.98%, up 168 bps from a year ago.
  • Funding: loans stand at 38.95% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.50%-13 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+12 bps YoY

Efficiency Ratio (quarter, annualized)

85.24%+665 bps YoY

Net Worth / Assets

19.98%+168 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%0.68%0.68%0.63%0.88%0.88%0.24%0.50%-13 bps
Return on Equity3.52%3.72%3.72%3.44%4.56%4.45%1.26%2.52%-92 bps
Net Interest Margin3.12%3.12%3.39%3.45%3.56%3.58%3.36%3.57%+12 bps
Efficiency Ratio78.85%77.75%78.53%78.58%74.40%75.06%91.83%85.24%+665 bps
Growth
Asset Growth (YoY)-5.16%-1.05%-0.95%1.23%-0.06%-3.21%-2.42%-4.72%-595 bps
Loan Growth (YoY)-1.44%-7.19%-12.27%-6.68%-10.18%-11.58%-8.21%-10.50%-382 bps
Share Growth (YoY)-7.15%-2.18%-1.99%0.57%-1.11%-4.89%-4.14%-6.78%-736 bps
Asset Quality
Delinquent Loans / Loans1.79%1.78%2.23%1.34%1.24%0.58%0.62%0.50%-84 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.39%18.22%18.19%18.30%19.24%19.68%19.36%19.98%+168 bps
Net Worth / Assets18.39%18.22%18.19%18.30%19.24%19.68%19.36%19.98%+168 bps
Liquidity & Funding
Loans / Shares44.86%42.43%38.96%40.57%40.75%39.45%37.31%38.95%-162 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps