Bank of Bird-In-Hand
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Data as of · sourced from FFIEC call reports. How we update
Bank of Bird-In-Hand is an FDIC-insured commercial bank headquartered in Bird in Hand, PA, established in 2013 (FDIC certificate 59074), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.91B, up 13.7% from Q2 2025, the 29th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 10.76% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59074
- Headquarters
- Bird in Hand, PA
- Established
- 2013
- Total assets, Q2 2026
- $1.91B
- Assets vs Q2 2025
- +13.7%
- CET1 ratio, Q2 2026
- 10.76%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 031319320
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Bird-In-Hand call report
- Holding company
- GELT BANCORP, INC.
- Asset rank in state
- 29th of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Bank of Bird-In-Hand ranks as the 29th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.0% to $1.91B, loans rose 4.2% and deposits rose 4.0%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 36.1% of total loans, followed by 1-4 family residential loans at 31.1%. Its 15 offices in the FDIC Summary of Deposits are in 11 cities in PA; its Bird In Hand 5 offices book 34% of its branch deposits. On its Q2 2026 call report, Bank of Bird-In-Hand meets every capital ratio test for well capitalized.
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
- Domestic offices
- 16 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of Bird-In-Hand's total assets moved between a low of $1.28B (Q3 2023) and a high of $1.91B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.91B total assets against $1.68B; $1.72B total liabilities against $1.52B.
$1.73B net loans and leases against $1.50B; $1.68B total deposits against $1.40B.
$0 securities against $0; $130.7M cash and balances due against $127.3M.
$27.5M total interest income against $23.3M; $12.4M total interest expense against $12.2M.
$15.2M net interest income against $11.1M.
$1.3M total noninterest income against $1.1M; $8.4M total noninterest expense against $7.3M.
$337K provision for credit losses against $978K.
$5.8M net income against $2.9M.
1.23% return on assets against 0.72%; 3.34% net interest margin against 2.80%.
10.76% CET1 capital ratio against 10.72%; 9.82% tier 1 leverage ratio against 9.76%.
Inside the full Bank of Bird-In-Hand terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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.
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
Its closest position to the top of a national ranking is 619 of 4,196, for total assets; its furthest is 2,007 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.57% (Q4 2024) to 1.23% (Q2 2026) and its net interest margin ran from 2.45% (Q3 2024) to 3.34% (Q2 2026).
| 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
View all 15 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in PA, rank 43 of 145 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.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Bank of Bird-In-Hand headquartered?
It is headquartered in Bird in Hand, PA, United States.
When was Bank of Bird-In-Hand founded?
It was established in 2013, per the FDIC institution directory.
Is Bank of Bird-In-Hand FDIC-insured?
Yes. It 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.
What is Bank of Bird-In-Hand's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 1.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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