Marysville, PA · Cert 7598
FDIC · 25 branches
Q3 2021
Market Position · Harrisburg-Carlisle, PA · 2021 SOD (annual) · 1.5% share · #15 of 27 inst. · $0.3B of $20.4B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.59% | 1.01% | 1.60% | 1.15% | +90 bps | |
| Return on Equity | 3.28% | 7.22% | 11.59% | 16.86% | 11.02% | +774 bps | |
| Net Interest Margin | 3.64% | 3.71% | 3.36% | 3.72% | 3.54% | -10 bps | |
| Efficiency Ratio | 76.74% | 73.45% | 66.77% | 61.83% | 65.79% | -1,095 bps | |
| Non-Interest Burden | 2.30% | 2.31% | 1.79% | 1.78% | 2.13% | -17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.27% | 25.66% | 22.98% | -9.85% | -8.46% | -3,072 bps | |
| Loan Growth (YoY) | 32.15% | 34.19% | 23.27% | -18.88% | -25.81% | -5,795 bps | |
| Deposit Growth (YoY) | 6.44% | 9.01% | 13.79% | 2.98% | 4.57% | -186 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.29% | 0.14% | 0.27% | 0.26% | 0.48% | +20 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.02% | 0.02% | 0.23% | 0.02% | +3 bps | |
| Allowance / Loans | 1.00% | 1.07% | 1.11% | 1.15% | 1.25% | +25 bps | |
| Allowance Coverage of NPLs | 3.5x | 7.7x | 4.1x | 4.4x | 2.6x | -0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.41% | 9.76% | 9.86% | 10.01% | 10.41% | +200 bps | |
| Total Risk-Based Capital | 12.39% | 14.17% | 9.86% | 10.01% | 10.41% | -198 bps | |
| Equity / Assets | 7.49% | 8.76% | 8.72% | 10.37% | 10.42% | +293 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 113.14% | 111.46% | 100.26% | 89.98% | 80.27% | -3,287 bps | |
| Liquid Assets / Assets | 1.57% | 2.67% | 3.91% | 3.93% | 14.11% | +1,254 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |