| Metric | Mid Penn Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +5.5% | +5.6 pts |
| Deposit growth (YoY) | +8.4% | +5.1% | +3.3 pts |
| Loan growth (YoY) | +16.5% | +5.9% | +10.5 pts |
| ROA | 1.24% | 1.26% | -0.0 pts |
| ROE | 9.9% | 12.2% | -2.3 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.04B | $5.97B | $5.59B | $872.0M | $41.5M | 1.24% | 3.90% | 0.53% |
| Q1 2026 | $6.94B | $5.99B | $5.49B | $854.1M | $17.1M | 1.05% | 3.67% | 0.55% |
| Q4 2025 | $6.12B | $5.22B | $4.83B | $794.4M | $74.2M | 1.25% | 3.64% | 0.50% |
| Q3 2025 | $6.25B | $5.39B | $4.79B | $771.0M | $52.9M | 1.20% | 3.54% | 0.42% |
| Q2 2025 | $6.34B | $5.50B | $4.80B | $746.5M | $31.3M | 1.08% | 3.41% | 0.42% |
| Q1 2025 | $5.54B | $4.81B | $4.46B | $629.4M | $15.3M | 1.12% | 3.35% | 0.43% |
| Q4 2024 | $5.46B | $4.77B | $4.41B | $611.4M | $55.3M | 1.03% | 3.16% | 0.41% |
| Q3 2024 | $5.52B | $4.72B | $4.40B | $603.7M | $40.6M | 1.01% | 3.11% | 0.32% |
Loan mix (Q2 2026): real estate $4.90B · commercial $643.5M · consumer $7.8M · securities $878.0M
| Ratio | Mid Penn Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.26% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 12.2% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 59.0% | 44th |
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 | Mid Penn Bank | 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 | Mid Penn Bank | 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 | Mid Penn Bank | 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 | Mid Penn Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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