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The Turbotville National Bank

$100M-$1B Specialty: Agricultural PA FDIC cert 7789

Turbotville, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits +14.6% year over year ($202.0M on the books).
  • Delinquency rate 1.11%.
  • Return on assets 2.22%.
  • Efficiency ratio 36.25% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.10% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

The Turbotville National Bank has 2 strengths but faces 2 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

  • + Profitability Leader: Top 15.7% in tier
  • + Efficiency Ratio 28.23% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 41.0% in tier
  • - Delinquency Rate 0.19% above tier average
Get updates when The Turbotville National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $243.5M
+14.2% YoY +3.3% QoQ
-$143.1M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $180.0M
+17.2% YoY +4.6% QoQ
-$78.3M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
43%
Total Deposits ? $202.0M
+14.6% YoY +3.1% QoQ
-$124.7M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 2.22%
+28.3% YoY +1.3% QoQ
+0.90% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Top 8.4% in tier
Net Interest Margin ? 3.95%
+13.5% YoY +1.3% QoQ
-0.04% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
51%
Efficiency Ratio ? 36.25%
-14.8% YoY -0.1% QoQ
-28.23% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Top 2.0% in tier
Delinquency Rate ? 1.11%
-5.0% YoY +2.4% QoQ
+0.19% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 89.10%
+2.3% YoY +1.4% QoQ
+11.15% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 15.34%
+3.6% YoY +0.5% QoQ
-6.69% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.82%
-2.5% YoY +3.7% QoQ
+0.15% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 16.49%
-4.6% YoY -2.8% QoQ
+0.58% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.11%
+11.2% YoY +84.5% QoQ
-0.46% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
21%

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 15.3%
+0.5pp YoY
+0.1pp QoQ
 -6.8pp 22.1% 18.7% 22.2% 25%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 2.9%
+0.2pp YoY
+0.2pp QoQ
 -8.7pp 11.6% 8.6% 12.5% 9%
CRE 11.1%
+1.1pp YoY
+0.9pp QoQ
 -28.5pp 39.5% 37.9% 41.4% 6%
1-4 Family 41.8%
-0.4pp YoY
-1.5pp QoQ
 +9.1pp 32.6% 47.8% 31.3% 72%
Consumer 1.4%
-0.4pp YoY
-0.1pp QoQ
 -2.7pp 4.1% 3.8% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.3% 19.7% n/a
Leverage Ratio 16.5%
-0.8pp YoY
-0.5pp QoQ
 +4.3pp 12.2% 13.2% 12.6% 92%
Total Capital Ratio n/a n/a 19.9% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 20
+2 (+11.1%) YoY
0 QoQ
 -39 58 299 482 11%
Assets per Employee ($) $12.2M
+2.8% YoY
+3.3% QoQ
 +$4.7M $7.5M $9.2M $8.8M 93%
Branch Count 1
0 YoY
0 QoQ
 -4 4 20 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.1%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 0.9% 0.9% 1.0% 74%
Allowance Coverage 0.73x
-11.2% YoY
-8.8% QoQ
 -23.42x 24.15x 3.63x 20.23x 18%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 63%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 13.9%
+3.1pp YoY
+0.2pp QoQ
 +1.7pp 12.2% 10.2% 11.6% 62%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 65%
Net Income ($, YTD) $2.6M
+43.6% YoY
— QoQ
 +$42K $2.6M $18.2M $40.4M 64%

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)

Profitability Leader

growth
#105 of 661 • Top 15.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.22%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk
#305 of 742 • Bottom 41.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.49%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.10%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

55
Efficiency Ratio
profitability
Value: 36.25%
Peer Median: 64.48%
#55 of 2643 Top 2.0% in $100M-$1B
223
Return on Assets
profitability
Value: 2.22%
Peer Median: 1.32%
#223 of 2643 Top 8.4% in $100M-$1B

Top Weaknesses (1 metrics)

2089
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2089 of 2643 Bottom 21.0% in $100M-$1B
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