Mauch Chunk Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Mauch Chunk Trust Company is an FDIC-insured commercial bank headquartered in Jim Thorpe, PA, established in 1902 (FDIC certificate 2359), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $642.8M, down 3.7% from Q2 2025, the 59th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 15.14% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 2359
- Headquarters
- Jim Thorpe, PA
- Established
- 1902
- Total assets, Q2 2026
- $642.8M
- Assets vs Q2 2025
- -3.7%
- CET1 ratio, Q2 2026
- 15.14%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 031307701
- Holding company
- MAUCH CHUNK TRUST FINANCIAL CORP.
- Asset rank in state
- 59th of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Mauch Chunk Trust Company ranks as the 59th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $642.8M, loans rose 1.8% and deposits fell 0.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.5% of total loans, followed by non-owner-occupied commercial real estate loans at 20.1%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in PA; its Jim Thorpe 2 offices book 37% of its branch deposits. Judged on its Q2 2026 call report, Mauch Chunk Trust Company meets every capital ratio test for well capitalized.
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
- Domestic offices
- 7 FDIC institution directory, current count
- 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
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
Over the 12 quarters to Q2 2026, Mauch Chunk Trust Company's total assets ran between $632.3M (Q1 2025) and $670.0M (Q3 2024), 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
$642.8M total assets against $667.4M; $635.9M total liabilities against $670.8M.
$292.9M net loans and leases against $282.3M; $607.5M total deposits against $642.3M.
$277.8M securities against $274.7M; $29.1M cash and balances due against $65.4M.
$6.9M total interest income against $6.9M; $2.6M total interest expense against $3.1M.
$4.2M net interest income against $3.8M.
$1.1M total noninterest income against $1.0M; $4.4M total noninterest expense against $4.1M.
$280K provision for credit losses against $454K.
$249K net income against $233K.
0.14% return on assets against 0.13%; 2.61% net interest margin against 2.27%.
15.14% CET1 capital ratio against 14.55%; 7.94% tier 1 leverage ratio against 7.71%.
Inside the full Mauch Chunk Trust Company 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.
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
Its closest position to the top of a national ranking is 50 of 3,640, for Texas Ratio; its furthest is 3,464 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.09% (Q4 2024) to 0.29% (Q3 2025) and its net interest margin ran from 2.17% (Q1 2025) to 2.61% (Q2 2026).
| 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
View all 7 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 |
|---|---|---|---|
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in PA, rank 71 of 145 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).
- Not on file
- Enforcement actions, 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 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.
Where is Mauch Chunk Trust Company headquartered?
It is headquartered in Jim Thorpe, PA, United States.
When was Mauch Chunk Trust Company founded?
It was established in 1902, per the FDIC institution directory.
Is Mauch Chunk Trust Company FDIC-insured?
Yes. It 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.
What is Mauch Chunk Trust Company's CET1 capital ratio?
It 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?
It operates 7 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?
Its Texas Ratio is 32.63% 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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