Bank of Bird-In-Hand: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bank of Bird-In-Hand pays more for its money than most banks of its size. Its balance sheet stood at $1.9 billion at June 30, 2026, up 13.7% from a year earlier; it is based in Bird In Hand, Pennsylvania. It pays an average of 2.96% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds common equity equal to 10.76% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).
Earnings jumped: net income for the quarter was $5.8 million, 96% above the same quarter a year earlier. Over the same year, loans grew 15.5% and deposits grew 19.8%.
As of June 30, 2026, Bank of Bird-In-Hand reported a CET1 capital ratio of 10.76%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.69%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 309 N Ronks Rd, Bird in Hand, PA 17505
- County
- Lancaster
- Metro Area
- Lancaster, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 29, 2013
- Offices
- 16 domestic
- Employees (FTE)
- 203
- Domestic deposits
- $1.68B
- Allowance for credit losses
- $10.6M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $1.87B
- Average total loans
- $1.70B
- Average interest-bearing deposits
- $1.50B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 29, 2013
- FDIC Cert
- 59074
- Fed RSSD
- 4536084
- Website
- www.bihbank.com →
- Parent Holding Company
- GELT BANCORP, INC. (RSSD 5952494)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Bird-In-Hand terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Bird-In-Hand, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Bank of Bird-In-Hand rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.76% | 1.23% | 0.19% | 1.69% | 3.34% |
| Q1 2026 | 10.68% | 1.11% | 0.20% | 1.79% | 3.19% |
| Q4 2025 | 10.96% | 0.95% | 0.19% | 1.64% | 3.01% |
| Q3 2025 | 10.81% | 0.93% | 0.20% | 1.76% | 2.96% |
| Q2 2025 | 10.72% | 0.72% | 0.02% | 0.22% | 2.80% |
| Q1 2025 | 10.53% | 0.62% | 0.03% | 0.25% | 2.53% |
| Q4 2024 | 10.73% | 0.57% | 0.01% | 0.13% | 2.48% |
| Q3 2024 | 11.14% | 0.58% | 0.02% | 0.13% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 15 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Bird-In-Hand (main office) | Bird In Hand , PA | 17505 | $428.9M |
| Ephrata Branch | Ephrata , PA | 17522 | $346.9M |
| Intercourse Banch | Intercourse , PA | 17534 | $199.7M |
| Manheim Branch | Manheim , PA | 17545 | $168.7M |
| Paradise Branch | Paradise , PA | 17562 | $141.7M |
| Bank of Bird-In-Hand Mobile Unit | Bird In Hand , PA | 17505 | $140.6M |
| Lykens Branch | Lykens , PA | 17048 | $99.0M |
| Schaefferstown Branch | Schaefferstown , PA | 17088 | $95.7M |
| Honey Brook Branch | Honey Brook , PA | 19344 | $31.9M |
| Quarryville Branch | Quarryville , PA | 17566 | $28.9M |
| Gelt Bus Ii Bank of Bird-In-Hand Mobile Unit Branch | Bird In Hand , PA | 17505 | $0 |
| Gelt Bus Iii Bank of Bird-In-Hand Mobile Unit Branch | Bird In Hand , PA | 17505 | $0 |
| Mount Joy Branch | Mount Joy , PA | 17552 | $0 |
| Gelt Bus #4 Branch | Bird In Hand , PA | 17505 | $0 |
| Bernville - Berks County Branch | Bernville , PA | 19506 | $0 |
Regulatory record
What the public regulatory sources show for Bank of Bird-In-Hand, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in PA, rank 43 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 478 applications, 462 loans originated, $127.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Bird-In-Hand
What are Bank of Bird-In-Hand's total assets?
As of the Q2 2026 filing, Bank of Bird-In-Hand reported total assets of $1.91 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Bird-In-Hand headquartered?
Bank of Bird-In-Hand is headquartered in Bird in Hand, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bank of Bird-In-Hand founded?
Bank of Bird-In-Hand was established in 2013, per the FDIC institution directory.
Is Bank of Bird-In-Hand FDIC-insured?
Yes. Bank of Bird-In-Hand is an FDIC-insured commercial bank (FDIC Certificate #59074). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Bird-In-Hand?
Bank of Bird-In-Hand's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Bird-In-Hand's CET1 capital ratio?
Bank of Bird-In-Hand reported a Common Equity Tier 1 (CET1) capital ratio of 10.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Bird-In-Hand operate?
Bank of Bird-In-Hand operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Bird-In-Hand's Texas Ratio?
Bank of Bird-In-Hand's Texas Ratio is 1.69% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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