Mid Penn Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Mid Penn Bank, based in Millersburg, Pennsylvania, reported $7.0 billion in assets at June 30, 2026, up 11.0% from a year earlier. It grew its loan book 16.4% over the year, about triple the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $24 million, 53% above the same quarter a year earlier. Over the same year, loans grew 16.4% and deposits grew 8.4%. One more trend to watch: the commercial and industrial book ($644 million) is worsening: 1.88% of it is past due or on nonaccrual, up from 0.80% a year earlier.
As of June 30, 2026, Mid Penn Bank reported a CET1 capital ratio of 12.55%, a return on assets of 1.40%, a nonperforming-loan ratio of 0.51% and a Texas ratio of 5.01%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 349 Union St, Millersburg, PA 17061
- County
- Dauphin
- Metro Area
- Harrisburg-Carlisle, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 21, 1868
- Offices
- 67 domestic
- Employees (FTE)
- 814
- Domestic deposits
- $5.97B
- Allowance for credit losses
- $41.6M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $6.98B
- Average total loans
- $5.59B
- Average interest-bearing deposits
- $5.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9889
- Fed RSSD
- 786612
- SEC CIK
- 879635 → filed by MID PENN BANCORP, INC.
- Website
- www.midpennbank.com →
- Parent Holding Company
- MID PENN BANCORP, INC. (RSSD 1944204) · MPB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rory G Ritrievi | CEO | President and CEO |
| Justin T. Webb | CFO | Chief Financial Officer |
| Dana R Stewart | COO | Chief Operating Officer |
| Christopher Nestore | CRO | Chief Risk Officer |
| Paul W Spotts | CCO | Chief Credit Officer |
| Livingston John Paul | CIO | CIO & CTO |
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 Mid Penn Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Mid Penn Bank, 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Mid Penn Bank 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.
Banks merged into Mid Penn Bank
- 1st Colonial Community Bank, effective February 28, 2026
- William Penn Bank, effective May 1, 2025
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 | 12.55% | 1.40% | 0.51% | 5.01% | 4.04% |
| Q1 2026 | 12.54% | 1.07% | 0.53% | 5.27% | 3.73% |
| Q4 2025 | 13.36% | 1.38% | 0.47% | 4.48% | 3.82% |
| Q3 2025 | 13.53% | 1.35% | 0.37% | 3.99% | 3.64% |
| Q2 2025 | 12.51% | 1.02% | 0.37% | 4.07% | 3.32% |
| Q1 2025 | 11.30% | 1.11% | 0.53% | 4.50% | 3.33% |
| Q4 2024 | 11.07% | 1.07% | 0.51% | 4.39% | 3.24% |
| Q3 2024 | 10.84% | 1.00% | 0.39% | 3.48% | 3.17% |
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 66 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Collingswood Branch | Collingswood , NJ | 08108 | $546.8M |
| Mid Penn Bank (main office) | Millersburg , PA | 17061 | $331.8M |
| Camp Hill Branch | Camp Hill , PA | 17011 | $268.1M |
| Blue Bell Branch | Blue Bell , PA | 19422 | $198.0M |
| Front Street Branch | Harrisburg , PA | 17110 | $183.8M |
| Jonestown Road Branch | Harrisburg , PA | 17112 | $159.1M |
| Newtown Branch | Newtown , PA | 18940 | $152.5M |
| Elizabethville Branch | Elizabethville , PA | 17023 | $145.8M |
| Connellsville Branch | Connellsville , PA | 15425 | $130.8M |
| West Chester Branch | West Chester , PA | 19380 | $127.3M |
| Minersville Branch | Minersville , PA | 17954 | $126.6M |
| Derry Street Branch | Harrisburg , PA | 17111 | $113.6M |
| Wyomissing Branch | Wyomissing , PA | 19610 | $111.7M |
| Scottdale Branch | Scottdale , PA | 15683 | $111.3M |
| Oregon Pike Branch | Lancaster , PA | 17601 | $110.9M |
| Orwigsburg Branch | Orwigsburg , PA | 17961 | $110.7M |
| Camden Branch | Camden , NJ | 08102 | $110.0M |
| Hamilton Branch | Hamilton , NJ | 08690 | $108.1M |
| Clearfield Branch | Clearfield , PA | 16830 | $106.0M |
| Muhlenberg Branch | Temple , PA | 19560 | $104.3M |
| Marysville Branch | Marysville , PA | 17053 | $98.1M |
| Tower City Branch | Tower City , PA | 17980 | $97.8M |
| Countryside Branch | Mount Pleasant , PA | 15666 | $97.1M |
| Middletown Branch | Middletown , PA | 17057 | $95.4M |
| Simpson Ferry Branch | Mechanicsburg , PA | 17050 | $92.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 28, 2026 | Structure Change | Acquired 1st Colonial Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2026 | M&A | Acquired 1st Colonial Community Bank merger for the acquired bank | SEC |
| February 27, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2025 | M&A | Acquired William Penn Bank merger for the acquired bank | SEC |
| May 1, 2025 | Structure Change | Acquired William Penn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 20, 2023 | M&A | Acquired Brunswick Bank and Trust Company merger for the acquired bank | SEC |
| May 20, 2023 | Structure Change | Acquired Brunswick Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2021 | M&A | Acquired Riverview Bank merger for the acquired bank | SEC |
| December 1, 2021 | Structure Change | Acquired Riverview Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | M&A | Acquired First Priority Bank merger for the acquired bank | SEC |
| August 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | Structure Change | Acquired First Priority Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 9, 2018 | Structure Change | Acquired The Scottdale Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 9, 2018 | M&A | Acquired The Scottdale Bank & Trust Company merger for the acquired bank | SEC |
| January 8, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2015 | M&A | Acquired Miners Bank merger for the acquired bank | SEC |
| March 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2015 | Structure Change | Acquired Miners Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 1998 | M&A | Acquired Miners Bank of Lykens merger for the acquired bank | SEC |
| July 11, 1998 | Structure Change | Acquired Miners Bank of Lykens Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1985 | Structure Change | Acquired Tower City National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1985 | M&A | Acquired Tower City National Bank merger for the acquired bank | SEC |
| January 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 1971 | M&A | Acquired Farmers State Bank of Dalmatia merger for the acquired bank | SEC |
| November 18, 1971 | Structure Change | Acquired Farmers State Bank of Dalmatia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 1962 | M&A | Acquired Lykens Valley Bank merger for the acquired bank | SEC |
| April 23, 1962 | Structure Change | Acquired Lykens Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 32 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Mid Penn Bank, 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
- 0.8% of deposits in PA, rank 23 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,357 applications, 885 loans originated, $291.3M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 16 loans, $13.7M approved, $857K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). 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 Mid Penn Bank
What are Mid Penn Bank's total assets?
As of the Q2 2026 filing, Mid Penn Bank reported total assets of $7.04 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Mid Penn Bank headquartered?
Mid Penn Bank is headquartered in Millersburg, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Mid Penn Bank founded?
Mid Penn Bank was established in 1868, per the FDIC institution directory.
Is Mid Penn Bank FDIC-insured?
Yes. Mid Penn Bank is an FDIC-insured commercial bank (FDIC Certificate #9889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mid Penn Bank?
Mid Penn Bank'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 Mid Penn Bank's CET1 capital ratio?
Mid Penn Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.55% in its Q2 2026 call report, above regulatory requirements.
How many branches does Mid Penn Bank operate?
Mid Penn Bank operates 67 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mid Penn Bank's Texas Ratio?
Mid Penn Bank's Texas Ratio is 5.01% 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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