West Milton, PA · Cert 8421
FDIC · 7 branches
Q3 2025
Market Position · Williamsport, PA · 2025 SOD (annual) · 0.7% share · #10 of 11 inst. · $0.0B of $3.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.50% | 0.55% | 0.54% | -1.08% | -153 bps | |
| Return on Equity | 7.37% | 8.27% | 9.36% | 8.92% | -17.51% | -2,488 bps | |
| Net Interest Margin | 2.40% | 2.53% | 2.69% | 2.83% | 3.01% | +61 bps | |
| Efficiency Ratio | 83.04% | 75.33% | 79.93% | 80.34% | 102.46% | +1,942 bps | |
| Non-Interest Burden | 1.92% | 1.81% | 2.07% | 2.20% | 3.09% | +118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.32% | 0.35% | 2.82% | -0.08% | -1.39% | -570 bps | |
| Loan Growth (YoY) | 6.15% | 6.77% | 9.13% | 6.09% | 3.22% | -293 bps | |
| Deposit Growth (YoY) | -4.61% | -1.83% | 5.29% | 4.32% | 1.25% | +586 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.39% | 0.29% | 0.35% | 0.56% | +17 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.04% | 0.05% | 2.10% | +207 bps | |
| Allowance / Loans | 0.86% | 0.88% | 0.85% | 0.85% | 0.80% | -6 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.2x | 3.0x | 2.4x | 1.4x | -0.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.53% | 8.64% | 8.61% | 8.66% | 8.28% | -26 bps | |
| Total Risk-Based Capital | 11.24% | 11.41% | 11.30% | 11.37% | 10.89% | -35 bps | |
| Equity / Assets | 6.38% | 5.78% | 5.97% | 6.17% | 6.18% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.32% | 80.43% | 78.46% | 79.10% | 79.85% | +153 bps | |
| Liquid Assets / Assets | 0.24% | 0.23% | 0.35% | 0.34% | 0.23% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 398% | n/a | n/a |