Dunmore, PA · Cert 7472
FDIC · 16 branches
Q2 2024
Market Position · Scranton--Wilkes-Barre, PA · 2024 SOD (annual) · 8.5% share · #4 of 22 inst. · $1.3B of $15.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.16% | 0.74% | 0.87% | 1.10% | 0.81% | 0.92% | 0.23% | -64 bps | |
| Return on Equity | 18.46% | 18.11% | 11.64% | 13.55% | 17.49% | 12.74% | 13.20% | 3.03% | -1,051 bps | |
| Net Interest Margin | 3.18% | 3.12% | 2.60% | 2.56% | 2.65% | 2.71% | 2.86% | 2.94% | +38 bps | |
| Efficiency Ratio | 55.42% | 58.23% | 66.88% | 60.60% | 62.79% | 65.33% | 59.66% | 76.47% | +1,587 bps | |
| Non-Interest Burden | 1.56% | 1.58% | 1.59% | 1.39% | 1.51% | 1.61% | 1.53% | 2.14% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.21% | 3.95% | 8.94% | 9.43% | 6.74% | 7.89% | 3.68% | -1.76% | -1,119 bps | |
| Loan Growth (YoY) | 15.91% | 14.80% | 12.29% | 10.21% | 8.48% | 8.53% | 7.43% | 5.56% | -465 bps | |
| Deposit Growth (YoY) | 1.33% | -3.08% | 3.24% | 3.20% | -0.11% | 7.74% | 1.26% | -3.13% | -633 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.25% | 0.25% | 0.23% | 0.31% | 0.43% | 0.44% | 0.48% | 0.75% | +44 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.09% | 0.09% | 0.07% | 0.15% | 0.18% | 0.33% | 0.32% | +25 bps | |
| Allowance / Loans | 1.24% | 1.26% | 1.06% | 1.07% | 1.01% | 0.98% | 1.00% | 1.10% | +3 bps | |
| Allowance Coverage of NPLs | 5.1x | 5.0x | 4.6x | 3.4x | 2.4x | 2.2x | 2.1x | 1.5x | -2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.38% | 8.77% | 8.96% | 8.98% | 9.11% | 8.76% | 9.47% | 9.53% | +56 bps | |
| Total Risk-Based Capital | 14.16% | 13.11% | 12.97% | 12.97% | 13.21% | 12.68% | 13.45% | 13.54% | +56 bps | |
| Equity / Assets | 6.64% | 6.20% | 6.52% | 6.34% | 6.24% | 6.55% | 7.40% | 7.67% | +133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.88% | 79.13% | 79.52% | 81.33% | 80.24% | 79.71% | 84.37% | 88.62% | +729 bps | |
| Liquid Assets / Assets | 0.29% | 0.19% | 2.19% | 3.49% | 1.60% | 3.60% | 2.70% | 0.23% | -326 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |