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Mid Penn Bank

Millersburg, PA · Cert 9889 · Mid Penn Bcorp Inc.

State charter, non-member · FDIC · 66 branches

Q2 2026

$7.0BAssets
$5.6BLoans
$6.0BDeposits
$872.0MEquity
Loan mix
88%RE $4.8B12%C&I $0.6B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $5.0B17%Noninterest $1.0BQ3 2024Q2 2026

Market Position · Harrisburg-Carlisle, PA · 2026 SOD (annual) · 9.6% share · #4 of 25 inst. · $1.9B of $20.2B

16.3% Dauphin
5.1% Camden
20.2% Schuylkill
4.6% Cumberland

Executive Summary

  • Earnings: ROA of 1.24%, up 16 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.51% of loans (+14 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.43%, up 51 bps from a year ago.
  • Funding: loans stand at 94.44% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.24%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+56 bps YoY

Efficiency Ratio (YTD, annualized)

57.43%-163 bps YoY

Tier 1 Leverage Ratio

10.43%+51 bps YoY

NIM

5.17%Q2 ’244.82%Q2 ’255.17%Q2 ’26+3%+19%

Non-interest income vs. expense

1.99%Q2 ’241.95%Q2 ’252.28%Q2 ’26+2%+17%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%1.03%1.12%1.08%1.20%1.25%1.05%1.24%+16 bps
Return on Equity9.22%9.34%9.89%9.46%10.23%10.45%8.28%9.89%+42 bps
Net Interest Margin2.91%2.95%3.20%2.98%3.11%3.31%3.56%3.54%+56 bps
Efficiency Ratio60.98%60.77%60.23%59.06%57.64%56.33%60.99%57.43%-163 bps
Non-Interest Burden1.61%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 / Loans0.39%0.51%0.53%0.37%0.37%0.47%0.53%0.51%+14 bps
Net Charge-Offs / Loans0.01%0.02%0.00%0.03%0.02%0.03%0.08%0.04%0 bps
Allowance / Loans0.80%0.80%0.80%0.78%0.77%0.74%0.74%0.74%-4 bps
Allowance Coverage of NPLs2.0x1.6x1.5x2.1x2.1x1.6x1.4x1.5x-0.6x
Capital
Tier 1 Leverage Ratio9.04%9.25%9.52%9.91%10.14%10.85%11.12%10.43%+51 bps
Total Risk-Based Capital11.70%11.91%12.14%13.32%14.37%14.13%13.31%13.30%-2 bps
Equity / Assets10.94%11.19%11.37%11.78%12.34%12.99%12.31%12.39%+61 bps
Liquidity & Funding
Loans / Deposits94.11%93.23%93.53%87.91%89.55%93.22%92.23%94.44%+653 bps
Liquid Assets / Assets8.57%7.60%7.84%10.21%9.48%6.52%6.73%5.74%-447 bps
CRE / Total Capitaln/an/an/an/a450%441%463%n/an/a