Northumberland National Bank, The
Northumberland, PA · Cert 7666 · Peer group: banks under $1B in assets (n=528-576)
FDIC · 7 branches
Q2 2025
$684.5MAssets
$446.3MLoans
$603.7MDeposits
$58.4MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 65% of banks under $1B in assets (rank 204 of 575).
- Widest gap: net interest margin trails 88% of banks under $1B in assets (rank 505 of 575).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.62%
Rank 395 of 576
Net Interest Margin
2.50%
Rank 505 of 575
Efficiency Ratio
76.47%
Rank 380 of 575
Equity / Assets
8.53%
Rank 433 of 575
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% | 0.51% | 0.91% | 1.43% | Beats 31% | 395 / 576 | |
| Return on Equity | 7.29% | 4.85% | 8.92% | 13.13% | Beats 39% | 349 / 575 | |
| Net Interest Margin | 2.50% | 2.85% | 3.33% | 3.90% | Beats 12% | 505 / 575 | |
| Efficiency Ratio | 76.47% | 58.61% | 70.08% | 82.08% | Beats 34% | 380 / 575 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.06% | 0.34% | 0.93% | Beats 62% | 202 / 528 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 58% | 222 / 528 | |
| Capital |
| Tier 1 Capital Ratio | 15.92% | 11.22% | 13.91% | 18.96% | Beats 63% | 213 / 575 | |
| Total Risk-Based Capital Ratio | 16.88% | 11.76% | 14.45% | 19.92% | Beats 65% | 204 / 575 | |
| Equity / Assets | 8.53% | 8.53% | 10.12% | 12.97% | Beats 25% | 433 / 575 | |
| Liquidity & Funding |
| Loans / Deposits | 73.93% | 64.54% | 78.36% | 91.99% | 40th pctl | 322 / 538 | |
| Loans / Assets | 65.20% | 55.85% | 68.40% | 77.98% | 43rd pctl | 300 / 528 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |