Mount Carmel, PA · Cert 7631 · Unb Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
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 | 0.08% | 0.11% | 0.04% | 0.10% | 0.13% | 0.14% | 0.03% | 0.14% | +4 bps | |
| Return on Equity | 1.42% | 2.07% | 0.68% | 1.78% | 2.29% | 2.53% | 0.55% | 2.26% | +48 bps | |
| Net Interest Margin | 2.25% | 2.21% | 2.19% | 2.21% | 2.29% | 2.32% | 2.45% | 2.52% | +31 bps | |
| Efficiency Ratio | 96.43% | 96.04% | 101.78% | 97.81% | 96.13% | 95.42% | 98.77% | 95.11% | -271 bps | |
| Non-Interest Burden | 2.16% | 2.11% | 2.24% | 2.16% | 2.19% | 2.20% | 2.42% | 2.38% | +22 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 | 0.01% | 0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.01% | +1 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 | |