Landisburg, PA · Cert 90384
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
28
Profitability
65
Liquidity
95
Efficiency
93
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Landisburg, PA · Cert 90384
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 1.7% share · #14 of 25 inst. · $0.3B of $20.2B
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 | 1.09% | 1.12% | 1.39% | 1.37% | 1.42% | 1.35% | 1.64% | 1.72% | +36 bps | |
| Return on Equity | 7.19% | 7.41% | 9.01% | 8.82% | 9.11% | 8.61% | 10.23% | 10.68% | +186 bps | |
| Net Interest Margin | 2.91% | 2.91% | 3.17% | 3.27% | 3.34% | 3.35% | 3.58% | 3.67% | +40 bps | |
| Efficiency Ratio | 58.34% | 58.00% | 51.13% | 50.36% | 50.61% | 51.99% | 46.92% | 46.07% | -429 bps | |
| Non-Interest Burden | 1.57% | 1.56% | 1.47% | 1.49% | 1.54% | 1.60% | 1.53% | 1.52% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.39% | 4.31% | 3.57% | 5.12% | 3.59% | 4.55% | 4.60% | 3.33% | -179 bps | |
| Loan Growth (YoY) | 0.13% | 0.97% | 1.36% | 2.67% | 4.60% | 2.87% | 3.02% | 1.91% | -76 bps | |
| Deposit Growth (YoY) | 4.31% | 4.25% | 2.77% | 4.61% | 2.73% | 3.49% | 3.90% | 2.52% | -209 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.78% | 0.73% | 0.91% | 0.79% | 0.87% | 1.31% | 1.77% | 1.61% | +82 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.02% | 0.00% | 0.03% | 0.03% | 0.02% | 0.00% | 0 bps | |
| Allowance / Loans | 1.10% | 1.10% | 1.09% | 1.08% | 1.04% | 1.15% | 1.15% | 1.14% | +6 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.5x | 1.2x | 1.4x | 1.2x | 0.9x | 0.6x | 0.7x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.63% | 16.25% | 16.60% | 16.53% | 16.68% | 16.29% | 16.73% | 16.97% | +44 bps | |
| Total Risk-Based Capital | 16.63% | 16.25% | 16.60% | 16.53% | 16.68% | 16.29% | 16.73% | 16.97% | +44 bps | |
| Equity / Assets | 15.31% | 15.09% | 15.69% | 15.65% | 16.00% | 15.93% | 16.20% | 16.28% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.53% | 78.62% | 78.94% | 79.72% | 78.94% | 78.15% | 78.27% | 79.24% | -48 bps | |
| Liquid Assets / Assets | 6.78% | 5.36% | 5.42% | 4.86% | 5.96% | 4.01% | 3.57% | 2.81% | -206 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 73.04% | 71.62% | 70.51% | n/a | n/a | |
Landisburg, PA · Cert 90384 · Peer group: banks under $1B in assets (n=581-629)
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
1.73%
Rank 108 of 629
Net Interest Margin
3.67%
Rank 277 of 629
Efficiency Ratio
46.07%
Rank 45 of 629
Equity / Assets
16.28%
Rank 116 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.73% | 0.60% | 1.01% | 1.45% | Beats 83% | 108 / 629 | ||
| Return on Equity | 10.60% | 5.38% | 9.30% | 13.28% | Beats 57% | 269 / 629 | ||
| Net Interest Margin | 3.67% | 3.03% | 3.54% | 4.05% | Beats 56% | 277 / 629 | ||
| Efficiency Ratio | 46.07% | 58.35% | 67.79% | 79.08% | Beats 93% | 45 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.61% | 0.09% | 0.46% | 1.20% | Beats 17% | 482 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 38% | 365 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.97% | 11.24% | 13.84% | 18.77% | Beats 69% | 193 / 629 | ||
| Total Risk-Based Capital Ratio | 16.97% | 11.58% | 14.43% | 19.66% | Beats 67% | 209 / 629 | ||
| Equity / Assets | 16.28% | 9.09% | 10.65% | 13.80% | Beats 82% | 116 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.24% | 67.24% | 80.90% | 93.48% | 48th pctl | 309 / 594 | ||
| Loans / Assets | 66.06% | 53.31% | 67.71% | 78.15% | 47th pctl | 336 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||