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Mid Penn Bank
Millersburg, PA·FDIC Cert #9889·Charter: STATE·Est. 18680221.0·HC: MID PENN BCORP INC
Total Assets
$6.1B
Q4 2025
Return on Assets
1.25%
+0.05%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.33%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.25%+0.05
ROE
10.45%+0.22
Efficiency
56.33%-1.31
Equity/Assets
0.00%+0.00
NPL Ratio
0.48%+0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
92.53%+3.67
Charge-offs
0.03%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.2 | 1.2 |
| ROE | 9.6 | 9.2 | 9.2 | 9.3 | 9.9 | 9.5 | 10.2 | 10.4 |
| Efficiency | 62.1 | 60.8 | 61.0 | 60.8 | 60.2 | 59.1 | 57.6 | 56.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.4 | 0.5 | 0.5 | 0.4 | 0.4 | 0.5 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 97.8 | 96.2 | 93.4 | 92.5 | 92.8 | 87.2 | 88.9 | 92.5 |
Balance Sheet
Total Assets$6.1B
Total Deposits$5.2B
Total Loans$4.8B
Total Equity$794.4M
Profitability
ROA1.25%
ROE10.45%
Efficiency Ratio56.33%
Net Income$74.2M
Risk & Asset Quality
NPL Ratio0.48%
Charge-off Rate0.03%
Loan/Deposit92.53%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans