Elderton State Bank: 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: 8.42 percentage points higher than in Q1 2026, at 182.56%. Elderton State Bank ranks 18th of 109 Pennsylvania banks on return on assets, in the upper half at 1.59% (Q2 2026). Elderton State Bank reported 1.59% on return on assets for Q2 2026, 0.34 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.09% |
| Equity capital to assets | 11.72% |
| Tangible equity to tangible assets | 11.72% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.52% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 182.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 13.51% |
| Net interest margin | 3.93% |
| Efficiency ratio | 44.65% |
| Yield on earning assets | 6.19% |
| Cost of funds | 2.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.48% |
| Core deposits to total deposits | 86.14% |
| Brokered deposits to total deposits | 0.56% |
| Deposits to assets | 77.32% |
| Securities to assets | 4.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.68% | 1.37% | 3.46% | 2.11% | 0.00% |
| Q4 2023 | 12.51% | 1.33% | 3.45% | 2.03% | 0.05% |
| Q1 2024 | 12.49% | 1.03% | 3.26% | 1.91% | 0.25% |
| Q2 2024 | 12.50% | 1.02% | 3.31% | 1.83% | 0.08% |
| Q3 2024 | 12.68% | 1.35% | 3.24% | 1.84% | 0.19% |
| Q4 2024 | 12.61% | 1.32% | 3.30% | 1.85% | -0.46% |
| Q1 2025 | 12.64% | 1.51% | 3.27% | 1.75% | -0.00% |
| Q2 2025 | 12.26% | 1.20% | 3.49% | 1.59% | 0.35% |
| Q3 2025 | 12.33% | 1.64% | 3.71% | 1.51% | 0.18% |
| Q4 2025 | 12.09% | 1.33% | 3.71% | 0.81% | 0.13% |
| Q1 2026 | 12.18% | 1.74% | 3.74% | 0.73% | 0.02% |
| Q2 2026 | 12.09% | 1.59% | 3.93% | 0.70% | 0.01% |
Elderton State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Elderton State Bank, 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 Elderton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12985) · FFIEC NIC profile (RSSD 282824)