New Tripoli, PA · Cert 7659 · New Tripoli Bcorp Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Allentown-Bethlehem-Easton, PA-NJ · 2026 SOD (annual) · 2.6% share · #9 of 32 inst. · $0.6B 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.55% | 0.61% | 0.58% | 0.68% | 0.70% | 1.04% | 1.17% | +59 bps | |
| Return on Equity | 6.79% | 7.76% | 8.58% | 8.20% | 9.68% | 9.82% | 13.90% | 15.31% | +711 bps | |
| Net Interest Margin | 2.09% | 2.17% | 2.37% | 2.45% | 2.47% | 2.57% | 3.02% | 3.05% | +60 bps | |
| Efficiency Ratio | 80.34% | 79.45% | 69.86% | 71.21% | 66.31% | 67.55% | 61.56% | 57.73% | -1,348 bps | |
| Non-Interest Burden | 1.63% | 1.67% | 1.58% | 1.67% | 1.55% | 1.66% | 1.75% | 1.65% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.56% | 0.64% | 0.37% | 3.71% | 4.80% | 4.49% | 5.66% | 2.14% | -157 bps | |
| Loan Growth (YoY) | -0.68% | 0.82% | 0.78% | 3.70% | 6.89% | 6.40% | 7.71% | 3.35% | -35 bps | |
| Deposit Growth (YoY) | 1.48% | 1.78% | 0.40% | 0.31% | 4.88% | 3.64% | 6.31% | 6.47% | +616 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.60% | 0.68% | 0.66% | 0.69% | 1.02% | 0.98% | 0.88% | 0.89% | +20 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.02% | 0.01% | 0.00% | 0.02% | 0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.11% | 1.08% | 1.10% | 1.10% | 1.13% | 1.11% | 1.09% | 1.09% | -2 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.6x | 1.7x | 1.6x | 1.1x | 1.1x | 1.2x | 1.2x | -0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.45% | 10.40% | 10.64% | 10.39% | 10.25% | 10.30% | 10.63% | 10.63% | +24 bps | |
| Total Risk-Based Capital | 10.45% | 10.40% | 10.64% | 10.39% | 10.25% | 10.30% | 10.63% | 10.63% | +24 bps | |
| Equity / Assets | 7.67% | 6.98% | 7.13% | 6.96% | 7.21% | 7.44% | 7.58% | 7.85% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.26% | 86.12% | 87.82% | 90.04% | 87.91% | 88.41% | 88.98% | 87.40% | -263 bps | |
| Liquid Assets / Assets | 0.06% | 0.83% | 0.43% | 0.72% | 0.54% | 0.81% | 0.46% | 0.69% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 283% | 291% | n/a | n/a | |