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Bank of Bird-in-Hand

$1B-$10B Specialty: Agricultural PA FDIC cert 59074

Designations: ✓ Community bank

Bird In Hand, PA

16 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +19.8% year over year ($1.7B on the books).
  • Delinquency rate 0.19%.
  • Return on assets 1.17%.
  • Efficiency ratio 52.60% vs a 59.73% peer average.
  • Loan-to-deposit ratio 102.78% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Bank of Bird-in-Hand has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 2.7% in tier
  • + Efficiency Ratio 7.12% below tier average

Key Concerns

Areas that may need attention

  • - Loan-to-Deposit Ratio 17.74% above tier average
  • - Non-Interest-Bearing Deposit Share 12.52% below tier average
  • - ROA 0.22% below tier average
  • - Net Interest Margin 0.59% below tier average
Get updates when Bank of Bird-in-Hand releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.9B
+13.7% YoY +4.0% QoQ
-$885.7M $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $1.7B
+15.5% YoY +4.2% QoQ
-$234.6M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $1.7B
+19.8% YoY +4.0% QoQ
-$636.9M $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
51%
Return on Assets ? 1.17%
+76.1% YoY +5.4% QoQ
-0.22% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 3.28%
+22.4% YoY +2.3% QoQ
-0.59% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 52.60%
-17.4% YoY -2.8% QoQ
-7.12% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
70%
Delinquency Rate ? 0.19%
+661.6% YoY -4.9% QoQ
-0.68% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 102.78%
-3.6% YoY +0.2% QoQ
+17.74% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 9.4% in tier
Non-Interest-Bearing Deposit Share ? 8.75%
+0.8% YoY +0.4% QoQ
-12.52% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Bottom 8.9% in tier
Nonperforming Asset Ratio ? 0.17%
+673.5% YoY -4.6% QoQ
-0.50% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 10.76%
+0.4% YoY +0.7% QoQ
-4.08% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 14.4% in tier
Non-Interest Income / Assets ? 0.14%
+11.0% YoY +93.0% QoQ
-0.39% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
16%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 8.7%
+0.1pp YoY
0.0pp QoQ
 -12.6pp 21.4% 18.7% 22.2% 8%
Brokered Deposits 1.3%
+0.4pp YoY
-0.2pp QoQ
 -8.2pp 9.5% 6.8% 8.5% 21%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 5.9%
-0.6pp YoY
0.0pp QoQ
 -8.1pp 14.0% 8.6% 12.5% 23%
CRE 25.4%
+0.8pp YoY
+0.4pp QoQ
 -24.6pp 50.0% 37.9% 41.4% 8%
1-4 Family 31.3%
-0.5pp YoY
-0.5pp QoQ
 +4.8pp 26.4% 47.8% 31.3% 68%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 3.8% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 10.8%
0.0pp YoY
+0.1pp QoQ
 -4.8pp 15.6% 22.3% 19.7% 6%
Leverage Ratio 9.8%
+0.1pp YoY
+0.2pp QoQ
 -1.5pp 11.3% 13.2% 12.6% 32%
Total Capital Ratio 11.4%
0.0pp YoY
+0.1pp QoQ
 -5.3pp 16.7% 23.3% 20.8% 3%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 203
+35 (+20.8%) YoY
+15 (+8.0%) QoQ
 -111 313 299 482 42%
Assets per Employee ($) $9.4M
-5.9% YoY
-3.7% QoQ
 -$1.1M $10.5M $9.2M $8.8M 59%
Branch Count 16
+3 (+23.1%) YoY
+1 (+6.7%) QoQ
 -4 20 20 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.2%
+0.2pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.9% 1.0% 20%
Allowance Coverage 3.23x
-87.1% YoY
+4.4% QoQ
 -15.48x 18.71x 3.63x 20.23x 67%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 18%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 12.2%
+5.1pp YoY
+0.6pp QoQ
 -0.4pp 12.6% 10.2% 11.6% 50%
Cost of Funds (YTD) 2.8%
-0.4pp YoY
0.0pp QoQ
 +0.8pp 1.9% 1.8% 1.7% 91%
Net Income ($, YTD) $10.8M
+99.5% YoY
— QoQ
 -$8.5M $19.2M $18.2M $40.4M 42%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#7 of 221 • Top 2.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.19%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (2 metrics)

184
Delinquency Rate
credit_quality
Value: 0.19%
Peer Median: 0.87%
#184 of 882 Top 20.7% in $1B-$10B
212
Nonperforming Asset Ratio
credit_quality
Value: 0.17%
Peer Median: 0.67%
#212 of 885 Top 23.8% in $1B-$10B

Top Weaknesses (4 metrics)

807
Non-Interest-Bearing Deposit Share
funding
Value: 8.75%
Peer Median: 21.27%
#807 of 885 Bottom 8.9% in $1B-$10B
803
Loan-to-Deposit Ratio
liquidity
Value: 102.78%
Peer Median: 85.04%
#803 of 885 Bottom 9.4% in $1B-$10B
759
Tier 1 Capital Ratio
capital
Value: 10.76%
Peer Median: 14.84%
#759 of 885 Bottom 14.4% in $1B-$10B
748
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#748 of 885 Bottom 15.6% in $1B-$10B
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