Northumberland, PA · Cert 7666
FDIC · 7 branches
Q2 2025
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 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.25% | 0.28% | 0.52% | 0.63% | +41 bps | |
| Return on Equity | 2.92% | 3.32% | 3.68% | 6.35% | 7.61% | +469 bps | |
| Net Interest Margin | 2.21% | 2.28% | 2.33% | 2.47% | 2.50% | +29 bps | |
| Efficiency Ratio | 92.16% | 91.36% | 89.89% | 80.30% | 76.47% | -1,569 bps | |
| Non-Interest Burden | 1.99% | 2.02% | 2.02% | 1.87% | 1.77% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.75% | 4.72% | -1.24% | -1.87% | -0.19% | -194 bps | |
| Loan Growth (YoY) | 4.63% | 2.52% | 0.74% | 2.07% | 1.80% | -283 bps | |
| Deposit Growth (YoY) | 1.70% | 3.55% | -1.66% | -2.82% | -1.34% | -304 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.61% | 0.40% | 0.46% | 0.14% | 0.19% | -42 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | 0.04% | 0.01% | 0.00% | -5 bps | |
| Allowance / Loans | 0.89% | 0.90% | 0.89% | 0.87% | 0.87% | -3 bps | |
| Allowance Coverage of NPLs | 1.5x | 2.2x | 2.0x | 6.4x | 4.6x | +3.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.40% | 9.50% | 9.69% | 9.97% | 9.86% | +46 bps | |
| Total Risk-Based Capital | 16.38% | 16.50% | 16.88% | 16.36% | 16.88% | +50 bps | |
| Equity / Assets | 7.43% | 8.04% | 8.08% | 8.22% | 8.53% | +110 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 71.65% | 70.83% | 74.14% | 73.71% | 73.93% | +228 bps | |
| Liquid Assets / Assets | 3.41% | 5.17% | 2.68% | 4.27% | 5.44% | +204 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |