BlastPoint's Banking Scorecard
Mid Penn Bank
Mid-Market
Specialty: Commercial
PA
FDIC cert 9889
Millersburg, PA
201
banks in Mid-Market tier nationally
12 in PA
View Mid-Market leaderboard (PA) →
Mid Penn Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 49% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.1B
+12.0% YoY
-2.1% QoQ
|
-$4.3B |
$10.5B
+2.9% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$4.8B
+9.4% YoY
+0.8% QoQ
|
-$2.3B |
$7.1B
+4.5% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$5.2B
+9.4% YoY
-3.1% QoQ
|
-$3.3B |
$8.5B
+3.0% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.25%
+21.8% YoY
+4.4% QoQ
|
+0.09% |
1.16%
+9.4% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.64%
+15.2% YoY
+2.7% QoQ
|
+0.24% |
3.40%
+7.9% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
56.33%
-7.3% YoY
-2.3% QoQ
|
-0.28% |
56.60%
-3.2% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.48%
-7.2% YoY
+26.7% QoQ
|
-0.21% |
0.68%
+12.0% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
92.53%
+0.0% YoY
+4.1% QoQ
|
+7.06% |
85.47%
+1.1% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
16.09%
-8.9% YoY
-1.9% QoQ
|
-4.55% |
20.64%
-0.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.50%
+21.3% YoY
+18.7% QoQ
|
0 |
0.50%
+7.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
13.36%
+20.6% YoY
-1.3% QoQ
|
-0.19% |
13.55%
+1.8% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.40%
+0.5% YoY
+39.4% QoQ
|
-0.56% |
0.96%
+7.1% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#40 of 80 · Bottom 49% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.53%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
68
68th pctile
Loan-to-Deposit Ratio
Current: 92.53% · Tier avg: 85.47%
60
60th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.68%
59
59th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.40%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.36% · Tier avg: 13.55%
56
56th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
53
53th pctile
Efficiency Ratio
Current: 56.33% · Tier avg: 56.60%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
33
33th pctile
Total Loans
Current: $4.8B · Tier avg: $7.1B
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.09% · Tier avg: 20.64%
23
23th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.96%
23
23th pctile
Total Deposits
Current: $5.2B · Tier avg: $8.5B
20
20th pctile
Total Assets
Current: $6.1B · Tier avg: $10.5B
Top Weaknesses
20
20th pctile
Total Assets
Current: $6.1B · Tier avg: $10.5B
23
23th pctile
Total Deposits
Current: $5.2B · Tier avg: $8.5B
23
23th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.96%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.09% · Tier avg: 20.64%
33
33th pctile
Total Loans
Current: $4.8B · Tier avg: $7.1B
40
40th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
53
53th pctile
Efficiency Ratio
Current: 56.33% · Tier avg: 56.60%
56
56th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
59
59th pctile
Tier 1 Capital Ratio
Current: 13.36% · Tier avg: 13.55%
59
59th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.40%
60
60th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.68%
68
68th pctile
Loan-to-Deposit Ratio
Current: 92.53% · Tier avg: 85.47%