Northumberland National Bank, The
Northumberland, PA · Cert 7666 · Peer group: banks under $1B in assets (n=549-597)
FDIC · 7 branches
Q2 2025
$684.5MAssets
$446.3MLoans
$603.7MDeposits
$58.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 64% of banks under $1B in assets (rank 213 of 596).
- Widest gap: net interest margin trails 88% of banks under $1B in assets (rank 522 of 596).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.62%
Rank 406 of 597
Net Interest Margin
2.50%
Rank 522 of 596
Efficiency Ratio
76.47%
Rank 392 of 596
Equity / Assets
8.53%
Rank 451 of 596
Non-interest income vs. expense
Unfavorable gap of $12.3M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.50% | 0.91% | 1.42% | Beats 32% | 406 / 597 | |
| Return on Equity | 7.29% | 4.85% | 8.87% | 12.94% | Beats 40% | 359 / 596 | |
| Net Interest Margin | 2.50% | 2.85% | 3.33% | 3.90% | Beats 12% | 522 / 596 | |
| Efficiency Ratio | 76.47% | 58.90% | 70.17% | 82.27% | Beats 34% | 392 / 596 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.06% | 0.33% | 0.97% | Beats 61% | 214 / 549 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 58% | 230 / 549 | |
| Capital |
| Tier 1 Capital Ratio | 15.92% | 11.27% | 13.92% | 19.42% | Beats 63% | 222 / 596 | |
| Total Risk-Based Capital Ratio | 16.88% | 11.78% | 14.47% | 20.21% | Beats 64% | 213 / 596 | |
| Equity / Assets | 8.53% | 8.55% | 10.17% | 13.03% | Beats 24% | 451 / 596 | |
| Liquidity & Funding |
| Loans / Deposits | 73.93% | 64.44% | 78.77% | 92.03% | 40th pctl | 336 / 559 | |
| Loans / Assets | 65.20% | 55.45% | 68.56% | 77.98% | 43rd pctl | 313 / 549 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |