Bank of Bird-In-Hand: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.77 percentage points higher than in Q1 2026, at 310.86%. Bank of Bird-In-Hand ranks 42nd of 109 Pennsylvania banks on return on assets, in the upper half at 1.23% (Q2 2026). Bank of Bird-In-Hand reported 1.23% on return on assets for Q2 2026, 0.05 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.76% |
| Tier 1 risk-based capital ratio | 10.76% |
| Total risk-based capital ratio | 11.39% |
| Tier 1 leverage ratio | 9.82% |
| Equity capital to assets | 9.62% |
| Tangible equity to tangible assets | 9.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.75% |
| Allowance for credit losses to loans | 0.61% |
| Reserve coverage of non-performing loans | 310.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 12.86% |
| Net interest margin | 3.34% |
| Efficiency ratio | 51.20% |
| Yield on earning assets | 6.06% |
| Cost of funds | 2.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.40% |
| Core deposits to total deposits | 90.47% |
| Brokered deposits to total deposits | 1.28% |
| Deposits to assets | 88.17% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.82% | 10.82% | 11.42% | 9.80% | 0.58% |
| Q4 2023 | 11.78% | 11.78% | 12.37% | 10.77% | 0.68% |
| Q1 2024 | 11.57% | 11.57% | 12.17% | 10.33% | 0.48% |
| Q2 2024 | 11.13% | 11.13% | 11.72% | 10.06% | 0.56% |
| Q3 2024 | 11.14% | 11.14% | 11.74% | 9.55% | 0.58% |
| Q4 2024 | 10.73% | 10.73% | 11.34% | 9.22% | 0.57% |
| Q1 2025 | 10.53% | 10.53% | 11.12% | 9.34% | 0.62% |
| Q2 2025 | 10.72% | 10.72% | 11.35% | 9.76% | 0.72% |
| Q3 2025 | 10.81% | 10.81% | 11.45% | 9.59% | 0.93% |
| Q4 2025 | 10.96% | 10.96% | 11.60% | 9.68% | 0.95% |
| Q1 2026 | 10.68% | 10.68% | 11.32% | 9.64% | 1.11% |
| Q2 2026 | 10.76% | 10.76% | 11.39% | 9.82% | 1.23% |
Bank of Bird-In-Hand vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Bird-In-Hand, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Bird-In-Hand profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59074) · FFIEC NIC profile (RSSD 4536084)