BlastPoint's Banking Scorecard
Mid Penn Bank
Millersburg, PA
67 branches across PA · NJ
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 +8.4% year over year ($6.0B on the books).
- Delinquency rate 0.51%.
- Return on assets 1.24%.
- Efficiency ratio 57.43% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.74% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mid Penn Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.30% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.0B
+11.0% YoY
+1.4% QoQ
|
+$4.2B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Top 6.6% in tier |
| Total Loans ? |
$5.6B
+16.5% YoY
+1.9% QoQ
|
+$3.6B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 4.5% in tier |
| Total Deposits ? |
$6.0B
+8.4% YoY
-0.4% QoQ
|
+$3.6B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Top 5.5% in tier |
| Return on Assets ? |
1.24%
+14.3% YoY
+18.6% QoQ
|
-0.15% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.90%
+14.2% YoY
+6.3% QoQ
|
+0.03% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
57.43%
-2.8% YoY
-5.8% QoQ
|
-2.30% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.51%
+36.6% YoY
-4.8% QoQ
|
-0.35% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
93.74%
+7.5% YoY
+2.4% QoQ
|
+8.71% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
16.52%
-0.3% YoY
+3.7% QoQ
|
-4.75% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.53%
+25.8% YoY
-3.8% QoQ
|
-0.15% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
12.55%
+0.4% YoY
+0.1% QoQ
|
-2.29% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.20%
+17.2% YoY
+124.6% QoQ
|
-0.33% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
16.5%
0.0pp YoY +0.6pp QoQ |
-4.8pp | 21.4% | 18.7% | 22.2% | 33% |
| Brokered Deposits |
2.3%
-3.2pp YoY +0.1pp QoQ |
-7.2pp | 9.5% | 6.8% | 8.5% | 29% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.5%
-1.9pp YoY -0.1pp QoQ |
-2.5pp | 14.0% | 8.6% | 12.5% | 52% |
| CRE |
59.0%
-0.7pp YoY +0.8pp QoQ |
+8.9pp | 50.0% | 37.9% | 41.4% | 73% |
| 1-4 Family |
24.3%
+3.3pp YoY -0.5pp QoQ |
-2.1pp | 26.4% | 47.8% | 31.3% | 53% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 3.8% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.6%
0.0pp YoY 0.0pp QoQ |
-3.0pp | 15.6% | 22.3% | 19.7% | 33% |
| Leverage Ratio |
10.4%
+0.5pp YoY -0.7pp QoQ |
-0.9pp | 11.3% | 13.2% | 12.6% | 48% |
| Total Capital Ratio |
13.3%
0.0pp YoY 0.0pp QoQ |
-3.4pp | 16.7% | 23.3% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
814
+52 (+6.8%) YoY -26 (-3.1%) QoQ |
+500 | 313 | 299 | 482 | 95% |
| Assets per Employee ($) |
$8.6M
+3.9% YoY +4.7% QoQ |
-$1.8M | $10.5M | $9.2M | $8.8M | 50% |
| Branch Count |
67
+4 (+6.3%) YoY 0 QoQ |
+47 | 20 | 20 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.2pp | 0.2% | 0.2% | 0.4% | 20% |
| Nonaccrual |
0.5%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 0.9% | 1.0% | 50% |
| Allowance Coverage |
1.45x
-30.4% YoY +4.4% QoQ |
-17.26x | 18.71x | 3.63x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
+0.4pp YoY +1.6pp QoQ |
-2.7pp | 12.6% | 10.2% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.8% | 1.7% | 52% |
| Net Income ($, YTD) |
$41.5M
+32.5% YoY — QoQ |
+$22.3M | $19.2M | $18.2M | $40.4M | 89% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.