Mauch Chunk Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Mauch Chunk Trust Company. The Jim Thorpe, Pennsylvania bank had $643 million in assets at June 30, 2026, down 3.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.27% of loans from 0.82% a year earlier. It earns about $0.14 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.61 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $47 million equal 85% of Tier 1 capital, down from 134% a year earlier. The commercial and industrial book ($43 million) is worsening: 11.18% of it is past due or on nonaccrual, up from 4.80% a year earlier. Where it has less room is capital: it funds 7.94% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Mauch Chunk Trust Company reported a CET1 capital ratio of 15.14%, a return on assets of 0.14%, a nonperforming-loan ratio of 1.27% and a Texas ratio of 32.63%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1111 North St, Jim Thorpe, PA 18229
- County
- Carbon
- Metro Area
- Allentown-Bethlehem-Easton, PA-NJ
- 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 051
- Established
- August 25, 1902
- Offices
- 8 domestic
- Employees (FTE)
- 94
- Domestic deposits
- $607.5M
- Allowance for credit losses
- $4.7M
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $691.0M
- Average total loans
- $303.6M
- Average interest-bearing deposits
- $511.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2359
- Fed RSSD
- 857811
- SEC CIK
- 1115427 → filed by MAUCH CHUNK TRUST FINANCIAL CORP.
- Website
- www.mct.bank →
- Parent Holding Company
- MAUCH CHUNK TRUST FINANCIAL CORP. (RSSD 3045011)
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.
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 Mauch Chunk Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Mauch Chunk Trust Company, 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.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Mauch Chunk Trust Company 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.
Metric pages for Mauch Chunk Trust Company: Texas 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 | 15.14% | 0.14% | 1.27% | 32.63% | 2.61% |
| Q1 2026 | 15.42% | 0.26% | 0.78% | 38.21% | 2.49% |
| Q4 2025 | 15.27% | 0.15% | 0.79% | 36.49% | 2.39% |
| Q3 2025 | 14.89% | 0.29% | 0.80% | 68.77% | 2.33% |
| Q2 2025 | 14.55% | 0.13% | 0.82% | 514.44% | 2.27% |
| Q1 2025 | 13.91% | 0.14% | 0.83% | -101.23% | 2.17% |
| Q4 2024 | 14.10% | 0.09% | 0.32% | -19.82% | 2.19% |
| Q3 2024 | 14.55% | 0.18% | 0.60% | 24.10% | 2.21% |
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 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Mauch Chunk Trust Company (main office) | Jim Thorpe , PA | 18229 | $225.5M |
| Lehighton Branch | Lehighton , PA | 18235 | $100.2M |
| Hometown Branch | Tamaqua , PA | 18252 | $99.4M |
| Pine Point Plaza Branch | Albrightsville , PA | 18210 | $80.5M |
| West Penn Office | Tamaqua , PA | 18252 | $63.7M |
| Redner's Market Branch | Nesquehoning , PA | 18240 | $38.1M |
| Trust Services and Investment Mgmt Branch | Jim Thorpe , PA | 18229 | $0 |
Regulatory record
What the public regulatory sources show for Mauch Chunk Trust Company, 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
- 0.1% of deposits in PA, rank 71 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 131 applications, 82 loans originated, $16.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $42K approved, $42K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 Mauch Chunk Trust Company
What are Mauch Chunk Trust Company's total assets?
As of the Q2 2026 filing, Mauch Chunk Trust Company reported total assets of $642.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Mauch Chunk Trust Company headquartered?
Mauch Chunk Trust Company is headquartered in Jim Thorpe, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Mauch Chunk Trust Company founded?
Mauch Chunk Trust Company was established in 1902, per the FDIC institution directory.
Is Mauch Chunk Trust Company FDIC-insured?
Yes. Mauch Chunk Trust Company is an FDIC-insured commercial bank (FDIC Certificate #2359). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mauch Chunk Trust Company?
Mauch Chunk Trust Company'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 Mauch Chunk Trust Company's CET1 capital ratio?
Mauch Chunk Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 15.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Mauch Chunk Trust Company operate?
Mauch Chunk Trust Company operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mauch Chunk Trust Company's Texas Ratio?
Mauch Chunk Trust Company's Texas Ratio is 32.63% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. 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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