Mifflintown, PA · Cert 7613 · First Community Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 1.4% share · #17 of 25 inst. · $0.3B of $20.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.21% | 0.46% | 0.47% | 0.28% | 0.34% | 0.38% | 0.39% | -8 bps | |
| Return on Equity | 3.94% | 3.35% | 7.14% | 7.24% | 4.19% | 4.91% | 5.10% | 5.29% | -195 bps | |
| Net Interest Margin | 2.19% | 2.26% | 2.67% | 2.57% | 2.55% | 2.73% | 2.80% | 2.83% | +26 bps | |
| Efficiency Ratio | 92.76% | 91.23% | 85.41% | 87.17% | 87.65% | 85.19% | 87.97% | 88.75% | +159 bps | |
| Non-Interest Burden | 1.99% | 2.01% | 2.18% | 2.15% | 2.15% | 2.23% | 2.38% | 2.43% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.00% | -4.36% | -6.47% | -4.71% | -5.57% | -1.98% | -1.63% | -0.95% | +376 bps | |
| Loan Growth (YoY) | -2.29% | -3.74% | -5.36% | -5.99% | -6.00% | -4.57% | -4.29% | 1.20% | +719 bps | |
| Deposit Growth (YoY) | -4.37% | 4.18% | -2.03% | 1.10% | 0.80% | -1.77% | -1.30% | -2.05% | -314 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.10% | 1.15% | 0.92% | 0.73% | 1.93% | 1.12% | 1.12% | 1.09% | +37 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.11% | 0.08% | 0.04% | 0.26% | 0.37% | 0.00% | 0.01% | -2 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.20% | 1.22% | 1.26% | 1.24% | 1.26% | 1.21% | -1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 1.3x | 1.7x | 0.7x | 1.1x | 1.1x | 1.1x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.36% | 8.52% | 8.85% | 8.88% | 8.68% | 8.92% | 9.33% | 9.24% | +36 bps | |
| Total Risk-Based Capital | 15.43% | 15.61% | 15.94% | 16.28% | 16.36% | 16.73% | 17.03% | 16.52% | +23 bps | |
| Equity / Assets | 6.70% | 6.23% | 6.68% | 6.55% | 7.22% | 7.42% | 7.35% | 7.45% | +90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.13% | 77.89% | 77.57% | 74.81% | 76.60% | 75.67% | 75.22% | 77.28% | +248 bps | |
| Liquid Assets / Assets | 0.48% | 0.96% | 0.60% | 2.88% | 1.58% | 3.75% | 4.73% | 3.61% | +73 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 230% | 213% | 208% | n/a | n/a | |