Millersburg, PA · Cert 9889 · Mid Penn Bcorp Inc.
State charter, non-member · FDIC · 66 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 $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
54
Profitability
45
Liquidity
52
Efficiency
51
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.
Millersburg, PA · Cert 9889 · Mid Penn Bcorp Inc.
State charter, non-member · FDIC · 66 branches
Q2 2026
Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 9.6% share · #4 of 25 inst. · $1.9B 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 | 1.01% | 1.03% | 1.12% | 1.08% | 1.20% | 1.25% | 1.05% | 1.24% | +16 bps | |
| Return on Equity | 9.22% | 9.34% | 9.89% | 9.46% | 10.23% | 10.45% | 8.28% | 9.89% | +42 bps | |
| Net Interest Margin | 2.91% | 2.95% | 3.20% | 2.98% | 3.11% | 3.31% | 3.56% | 3.54% | +56 bps | |
| Efficiency Ratio | 60.98% | 60.77% | 60.23% | 59.06% | 57.64% | 56.33% | 60.99% | 57.43% | -163 bps | |
| Non-Interest Burden | 1.61% | 1.63% | 1.73% | 1.61% | 1.63% | 1.69% | 2.02% | 1.88% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.03% | 3.36% | 4.04% | 17.67% | 13.20% | 11.97% | 25.33% | 11.04% | -663 bps | |
| Loan Growth (YoY) | 6.98% | 4.55% | 4.07% | 10.66% | 8.73% | 9.36% | 22.87% | 16.42% | +577 bps | |
| Deposit Growth (YoY) | 7.64% | 9.59% | 9.66% | 22.14% | 14.26% | 9.36% | 24.60% | 8.37% | -1,377 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.51% | 0.53% | 0.37% | 0.37% | 0.47% | 0.53% | 0.51% | +14 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.00% | 0.03% | 0.02% | 0.03% | 0.08% | 0.04% | 0 bps | |
| Allowance / Loans | 0.80% | 0.80% | 0.80% | 0.78% | 0.77% | 0.74% | 0.74% | 0.74% | -4 bps | |
| Allowance Coverage of NPLs | 2.0x | 1.6x | 1.5x | 2.1x | 2.1x | 1.6x | 1.4x | 1.5x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.04% | 9.25% | 9.52% | 9.91% | 10.14% | 10.85% | 11.12% | 10.43% | +51 bps | |
| Total Risk-Based Capital | 11.70% | 11.91% | 12.14% | 13.32% | 14.37% | 14.13% | 13.31% | 13.30% | -2 bps | |
| Equity / Assets | 10.94% | 11.19% | 11.37% | 11.78% | 12.34% | 12.99% | 12.31% | 12.39% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.11% | 93.23% | 93.53% | 87.91% | 89.55% | 93.22% | 92.23% | 94.44% | +653 bps | |
| Liquid Assets / Assets | 8.57% | 7.60% | 7.84% | 10.21% | 9.48% | 6.52% | 6.73% | 5.74% | -447 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 450% | 441% | 463% | n/a | n/a | |
Millersburg, PA · Cert 9889 · Peer group: banks $1B-$10B in assets (n=322-328) · Mid Penn Bcorp Inc.
State charter, non-member · FDIC · 66 branches
Q2 2026
Return on Assets
1.18%
Rank 177 of 328
Net Interest Margin
3.54%
Rank 144 of 328
Efficiency Ratio
59.21%
Rank 161 of 328
Equity / Assets
12.39%
Rank 65 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.18% | 0.91% | 1.22% | 1.52% | Beats 46% | 177 / 328 | ||
| Return on Equity | 9.52% | 8.43% | 11.45% | 14.43% | Beats 32% | 224 / 328 | ||
| Net Interest Margin | 3.54% | 3.03% | 3.45% | 3.83% | Beats 56% | 144 / 328 | ||
| Efficiency Ratio | 59.21% | 51.61% | 59.56% | 67.53% | Beats 51% | 161 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.24% | 0.51% | 1.03% | Beats 50% | 162 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 58% | 136 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.55% | 11.75% | 13.15% | 15.47% | Beats 41% | 194 / 328 | ||
| Total Risk-Based Capital Ratio | 13.30% | 12.63% | 14.15% | 16.46% | Beats 38% | 205 / 328 | ||
| Equity / Assets | 12.39% | 9.15% | 10.33% | 12.01% | Beats 80% | 65 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.44% | 76.63% | 87.92% | 95.36% | 72nd pctl | 89 / 323 | ||
| Loans / Assets | 80.04% | 65.18% | 74.15% | 79.98% | 76th pctl | 79 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||