PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Dow Bucks County

Bristol, PA · Charter 6150

NCUA · 1 branch

Q2 2026

$13.4MAssets
$7.9MLoans
$10.6MShares
$2.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, up 13 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 1.38% of loans (-57 bps YoY).
  • Capital: net worth / assets of 21.22%, up 80 bps from a year ago.
  • Funding: loans stand at 74.59% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.50%+13 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+11 bps YoY

Efficiency Ratio (YTD, annualized)

81.67%-49 bps YoY

Net Worth / Assets

21.22%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.31%0.01%0.40%0.37%0.29%0.31%0.55%0.50%+13 bps
Return on Equity-1.57%0.07%1.96%1.83%1.40%1.50%2.58%2.35%+52 bps
Net Interest Margin1.74%1.74%2.63%2.62%2.60%2.68%2.77%2.72%+11 bps
Efficiency Ratio112.92%98.65%84.93%82.16%82.51%80.39%80.22%81.67%-49 bps
Growth
Asset Growth (YoY)-2.58%0.29%2.76%0.25%-0.94%-1.25%-3.01%-2.04%-228 bps
Loan Growth (YoY)-7.78%-5.58%-8.19%-0.58%1.92%0.82%3.87%-3.48%-290 bps
Share Growth (YoY)-2.48%0.54%2.09%-1.06%-2.22%-2.29%-4.34%-2.97%-190 bps
Asset Quality
Delinquent Loans / Loans1.24%2.55%0.71%1.95%2.25%2.23%1.77%1.38%-57 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 Capital19.91%20.12%20.25%20.42%20.56%20.68%21.23%21.22%+80 bps
Net Worth / Assets19.91%20.12%20.25%20.42%20.56%20.68%21.23%21.22%+80 bps
Liquidity & Funding
Loans / Shares72.92%73.15%69.96%74.99%76.01%75.48%75.97%74.59%-40 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps