BlastPoint's Banking Scorecard
Mid Penn Bank
Millersburg, PA
67 branches across PA · NJ
Mid Penn Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.07% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 91.7% in tier
- - ROA 0.32% below tier average
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.9B
+25.3% YoY
+13.4% QoQ
|
+$4.1B |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Top 7.4% in tier |
| Total Loans ? |
$5.5B
+22.9% YoY
+13.6% QoQ
|
+$3.5B |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Top 5.0% in tier |
| Total Deposits ? |
$6.0B
+24.6% YoY
+14.8% QoQ
|
+$3.6B |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Top 6.3% in tier |
| Return on Assets ? |
1.05%
-6.3% YoY
-16.3% QoQ
|
-0.32% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.67%
+9.5% YoY
+0.9% QoQ
|
-0.15% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
60.99%
+1.3% YoY
+8.3% QoQ
|
-0.07% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
46% |
| Delinquency Rate ? |
0.54%
-0.2% YoY
+13.2% QoQ
|
-0.35% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
91.54%
-1.3% YoY
-1.1% QoQ
|
+7.34% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
15.93%
-11.4% YoY
-1.0% QoQ
|
-5.35% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.55%
+25.8% YoY
+8.7% QoQ
|
-0.13% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
12.54%
+11.0% YoY
-6.1% QoQ
|
-2.62% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.09%
-2.0% YoY
-77.8% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.