Mount Carmel, PA · Cert 7631 · Unb Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.21% | 0.04% | 0.15% | 0.19% | 0.19% | 0.03% | 0.24% | +9 bps | |
| Return on Equity | 1.26% | 3.79% | 0.68% | 2.82% | 3.29% | 3.12% | 0.55% | 4.02% | +120 bps | |
| Net Interest Margin | 2.24% | 2.14% | 2.19% | 2.30% | 2.41% | 2.38% | 2.45% | 2.58% | +27 bps | |
| Efficiency Ratio | 96.65% | 94.84% | 101.78% | 94.14% | 93.00% | 93.36% | 98.77% | 91.60% | -254 bps | |
| Non-Interest Burden | 2.15% | 2.01% | 2.24% | 2.15% | 2.22% | 2.20% | 2.42% | 2.34% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.27% | 1.35% | -0.21% | 3.83% | 0.22% | 2.80% | 1.68% | -1.61% | -544 bps | |
| Loan Growth (YoY) | -1.02% | -2.50% | -2.80% | -2.57% | -1.60% | 1.45% | 2.87% | 3.71% | +628 bps | |
| Deposit Growth (YoY) | 2.35% | 1.73% | -0.85% | 3.67% | 0.14% | 1.74% | 1.32% | -2.29% | -596 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.02% | 0.02% | 0.30% | 0.06% | 0.07% | 0.10% | 0.12% | -18 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.05% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 1.02% | 0.97% | 0.93% | 0.93% | 0.93% | 0.86% | 0.86% | 0.85% | -9 bps | |
| Allowance Coverage of NPLs | 21.6x | 56.4x | 45.1x | 3.1x | 14.5x | 12.0x | 8.8x | 6.9x | +3.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.37% | 9.28% | 9.45% | 9.12% | 9.28% | 9.29% | 9.29% | 9.33% | +21 bps | |
| Total Risk-Based Capital | 9.37% | 9.28% | 9.45% | 9.12% | 9.28% | 9.29% | 9.29% | 9.33% | +21 bps | |
| Equity / Assets | 5.99% | 5.10% | 5.58% | 5.33% | 6.08% | 6.12% | 5.95% | 5.98% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.88% | 56.43% | 56.64% | 54.38% | 55.89% | 56.27% | 57.51% | 57.72% | +334 bps | |
| Liquid Assets / Assets | 0.00% | 0.07% | 0.01% | 0.08% | 0.02% | 0.08% | 0.06% | 0.11% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 38.62% | 45.50% | 58.54% | n/a | n/a | |