Neffs, PA · Cert 7646 · Neffs Bcorp Inc.
National charter · OCC · 3 branches
Q2 2026
Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 1.6% share · #16 of 32 inst. · $0.4B of $22.9B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.60% | 0.62% | 0.50% | 0.53% | -7 bps | |
| Return on Equity | 4.14% | 4.07% | 4.20% | 3.28% | 3.50% | -64 bps | |
| Net Interest Margin | 2.28% | 2.30% | 2.36% | 2.51% | 2.59% | +31 bps | |
| Efficiency Ratio | 77.09% | 75.35% | 74.29% | 80.53% | 78.92% | +183 bps | |
| Non-Interest Burden | 1.74% | 1.71% | 1.74% | 1.99% | 2.01% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.36% | 1.32% | 2.90% | 0.67% | 0.71% | -165 bps | |
| Loan Growth (YoY) | 5.02% | 5.87% | 6.34% | 3.58% | 3.88% | -114 bps | |
| Deposit Growth (YoY) | -3.12% | -3.05% | -2.68% | 1.25% | 3.22% | +634 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.04% | 0.04% | 0.04% | 0.04% | -2 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.01% | -0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 0.89% | 0.90% | 0.90% | 0.90% | 0.90% | +1 bps | |
| Allowance Coverage of NPLs | 15.5x | 20.4x | 22.9x | 24.1x | 22.4x | +6.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.57% | 16.41% | 16.69% | 16.62% | 16.82% | +25 bps | |
| Total Risk-Based Capital | 16.57% | 16.41% | 16.69% | 16.62% | 16.82% | +25 bps | |
| Equity / Assets | 14.77% | 14.97% | 15.17% | 15.24% | 15.23% | +46 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.98% | 69.97% | 70.60% | 69.63% | 69.42% | +45 bps | |
| Liquid Assets / Assets | 31.36% | 31.10% | 30.85% | 30.98% | 31.10% | -26 bps | |
| CRE / Total Capital | n/a | 106.41% | 104.73% | 107.04% | n/a | n/a | |