| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +5.5% | +2.1 pts |
| Deposit growth (YoY) | +4.5% | +5.1% | -0.5 pts |
| Loan growth (YoY) | +6.6% | +5.9% | +0.6 pts |
| ROA | 1.43% | 1.26% | +0.2 pts |
| ROE | 12.3% | 12.2% | +0.2 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.19B | $2.40B | $2.38B | $361.9M | $22.0M | 1.43% | 3.74% | 1.36% |
| Q1 2026 | $3.02B | $2.46B | $2.28B | $353.0M | $11.0M | 1.45% | 3.83% | 1.33% |
| Q4 2025 | $3.06B | $2.38B | $2.34B | $358.0M | $39.5M | 1.31% | 3.62% | 0.95% |
| Q3 2025 | $3.05B | $2.42B | $2.33B | $348.2M | $28.2M | 1.25% | 3.55% | 0.75% |
| Q2 2025 | $2.96B | $2.30B | $2.24B | $334.7M | $17.6M | 1.18% | 3.48% | 0.92% |
| Q1 2025 | $3.01B | $2.37B | $2.30B | $336.0M | $8.3M | 1.10% | 3.42% | 0.91% |
| Q4 2024 | $3.02B | $2.39B | $2.30B | $328.2M | $30.0M | 1.01% | 3.29% | 0.95% |
| Q3 2024 | $3.02B | $2.45B | $2.32B | $329.2M | $21.5M | 0.97% | 3.24% | 0.80% |
Loan mix (Q2 2026): real estate $2.07B · commercial $136.1M · consumer $38.8M · securities $491.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.26% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.2% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 59.0% | 33rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
44 branches in 20 counties across 4 states (+1 vs 2024) · $2.30B branch deposits. Biggest market: Tioga, PA, ranked 1st with 30.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Tioga, PA | 5 | $491.8M | 30.13% | 1st |
| Bradford, PA | 8 | $456.9M | 22.56% | 2nd |
| Lebanon, PA | 3 | $291.4M | 7.18% | 5th |
| 17 more counties with Pro → | ||||
Pennsylvania: 38th with 0.34% · Delaware: 27th with 0.03% · New York: 298th with 0.00% · New Jersey: 239th with 0.00% · Philadelphia-Camden-Wilmington metro: 43rd, 0.09% · Lebanon metro: 5th, 7.18% ·
Branch count: 2022 31 · 2023 42 · 2024 43 · 2025 44