Neffs National Bank, The
Neffs, PA · Cert 7646 · Peer group: banks under $1B in assets (n=581-629) · Neffs Bcorp Inc.
National charter · OCC · 3 branches
Q2 2026
$470.8MAssets
$258.2MLoans
$371.9MDeposits
$71.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets (rank 108 of 581).
- Widest gap: net interest margin trails 88% of banks under $1B in assets (rank 556 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.53%
Rank 497 of 629
Net Interest Margin
2.59%
Rank 556 of 629
Efficiency Ratio
78.92%
Rank 470 of 629
Equity / Assets
15.23%
Rank 136 of 629
Non-interest income vs. expense
Unfavorable gap of $9.4M · efficiency ratio beats 25% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.60% | 1.01% | 1.45% | Beats 21% | 497 / 629 | |
| Return on Equity | 3.48% | 5.38% | 9.30% | 13.28% | Beats 17% | 524 / 629 | |
| Net Interest Margin | 2.59% | 3.03% | 3.54% | 4.05% | Beats 12% | 556 / 629 | |
| Efficiency Ratio | 78.92% | 58.35% | 67.79% | 79.08% | Beats 25% | 470 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.46% | 1.20% | Beats 82% | 108 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 58% | 245 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 16.82% | 11.24% | 13.84% | 18.77% | Beats 69% | 197 / 629 | |
| Total Risk-Based Capital Ratio | 16.82% | 11.58% | 14.43% | 19.66% | Beats 66% | 214 / 629 | |
| Equity / Assets | 15.23% | 9.09% | 10.65% | 13.80% | Beats 78% | 136 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 69.42% | 67.24% | 80.90% | 93.48% | 29th pctl | 419 / 594 | |
| Loans / Assets | 54.84% | 53.31% | 67.71% | 78.15% | 27th pctl | 460 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |