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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.20% | 1.25% | 1.05% | 1.24% | +16 bps | |
| Return on Equity | 9.46% | 10.23% | 10.45% | 8.28% | 9.89% | +42 bps | |
| Net Interest Margin | 2.98% | 3.11% | 3.31% | 3.56% | 3.54% | +56 bps | |
| Efficiency Ratio | 59.06% | 57.64% | 56.33% | 60.99% | 57.43% | -163 bps | |
| Non-Interest Burden | 1.61% | 1.63% | 1.69% | 2.02% | 1.88% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.67% | 13.20% | 11.97% | 25.33% | 11.04% | -663 bps | |
| Loan Growth (YoY) | 10.66% | 8.73% | 9.36% | 22.87% | 16.42% | +577 bps | |
| Deposit Growth (YoY) | 22.14% | 14.26% | 9.36% | 24.60% | 8.37% | -1,377 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.37% | 0.47% | 0.53% | 0.51% | +14 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.02% | 0.03% | 0.08% | 0.04% | 0 bps | |
| Allowance / Loans | 0.78% | 0.77% | 0.74% | 0.74% | 0.74% | -4 bps | |
| Allowance Coverage of NPLs | 2.1x | 2.1x | 1.6x | 1.4x | 1.5x | -0.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.91% | 10.14% | 10.85% | 11.12% | 10.43% | +51 bps | |
| Total Risk-Based Capital | 13.32% | 14.37% | 14.13% | 13.31% | 13.30% | -2 bps | |
| Equity / Assets | 11.78% | 12.34% | 12.99% | 12.31% | 12.39% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.91% | 89.55% | 93.22% | 92.23% | 94.44% | +653 bps | |
| Liquid Assets / Assets | 10.21% | 9.48% | 6.52% | 6.73% | 5.74% | -447 bps | |
| CRE / Total Capital | n/a | 450% | 441% | 463% | n/a | n/a | |