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 | |