NEFFS NATIONAL BANK, THE

NEFFS, PA | Small | Est. April 3, 1923, midnight | FDIC #7646 | RSSD #144913 | OCC
Latest Report: 2025-12-31

NEFFS NATIONAL BANK, THE is asn small FDIC-insured commercial bank headquartered in NEFFS, PA, established in April 3, 1923, midnight. As of 2025-12-31, the bank reported total assets of $470M and total deposits of $359M. Profitability stands at 0.69% ROA and 4.56% ROE, with a net interest margin of 2.72%. The bank's CET1 capital ratio is 15.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.04% and a Texas Ratio of 0.13%. FDIC Certificate #7646.

Assets

$470M

Deposits

$359M

Loans

$254M

Equity

$71M

Profitability

Return on Assets (ROA) 0.69%
Return on Equity (ROE) 4.56%
Net Interest Margin (NIM) 2.72%
Yield on Assets 4.46%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.04%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.13%
NPA Ratio 0.02%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 15.17%
Tier 1 Capital 15.17%
Total Capital Ratio 15.93%
Leverage Ratio 16.69%
Loan-to-Deposit 70.60%

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