Meridian Bank
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Data as of · sourced from FFIEC call reports. How we update
Meridian Bank is an FDIC-insured commercial bank headquartered in Malvern, PA, established in 2004 (FDIC certificate 57777), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.59B, up 3.2% from Q2 2025, the 23rd largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57777
- Headquarters
- Malvern, PA
- Established
- 2004
- Total assets, Q2 2026
- $2.59B
- Assets vs Q2 2025
- +3.2%
- Tier 1 leverage ratio, Q2 2026
- 9.72%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 031918828
- Holding company
- MERIDIAN CORPORATION
- Asset rank in state
- 23rd of 109 in Pennsylvania
Problem loans are rising at Meridian Bank. It reported $2.6 billion in assets at June 30, 2026, up 3.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.14% of loans from 2.35% a year earlier. 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 carries problem assets equal to 27.6% of the capital and reserves that would absorb them, 7.7 times the median of 3.6% for banks its size.
Delinquency has appeared in its $319 million non-owner-occupied commercial real estate book: 1.07% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Meridian Bank reported a return on assets of 1.06%, a nonperforming-loan ratio of 3.68% and a Texas ratio of 27.59%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Meridian Bank is the 23rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $2.59B, loans rose 0.6% and deposits rose 1.2%. 1-4 family residential loans made up 26.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 20.9%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities across 2 states; its Wayne office books 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, Meridian Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 220 W. Lancaster Avenue, Malvern, PA 19087
- County
- Delaware
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- 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
- July 8, 2004
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 327
- Domestic deposits
- $2.20B
- Allowance for credit losses
- $21.5M
- Net charge-offs (YTD)
- $10.3M
- Average total assets
- $2.59B
- Average total loans
- $2.18B
- Average interest-bearing deposits
- $1.94B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 8, 2004
- FDIC Cert
- 57777
- Fed RSSD
- 3271799
- SEC CIK
- 1750735 → filed by MERIDIAN CORPORATION
- Website
- www.meridianbanker.com →
- Parent Holding Company
- MERIDIAN CORPORATION (RSSD 5033580) · MRBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Christopher J. Annas | CEO | Chairman & CEO |
| Denise Lindsay | CFO | EVP, Chief Financial Officer |
| Fox Andrew Nathan | CCO | Chief Credit Officer |
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Meridian Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Meridian Bank's total assets ranged from $2.23B (Q3 2023) to $2.59B (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
$2.59B total assets against $2.51B; $2.34B total liabilities against $2.28B.
$2.21B net loans and leases against $2.13B; $2.20B total deposits against $2.11B.
$235.1M securities against $222.7M; $36.2M cash and balances due against $50.2M.
$40.8M total interest income against $41.2M; $17.0M total interest expense against $18.9M.
$23.8M net interest income against $22.3M.
$9.9M total noninterest income against $11.2M; $21.9M total noninterest expense against $21.0M.
$3.0M provision for credit losses against $3.8M.
$6.8M net income against $6.7M.
1.06% return on assets against 1.07%; 3.83% net interest margin against 3.70%.
9.72% tier 1 leverage ratio against 9.32%.
Inside the full Meridian Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Meridian Bank rankings
Its closest position to the top of a national ranking is 74 of 3,640, for Texas Ratio; its furthest is 2,377 of 3,611, for ROA.
Metric pages for Meridian Bank: Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.46% (Q1 2026) to 1.28% (Q4 2025) and its net interest margin ran from 3.34% (Q3 2024) to 3.96% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.72% | 1.06% | 3.68% | 27.59% | 3.83% |
| Q1 2026 | 9.58% | 0.46% | 2.64% | 18.80% | 3.92% |
| Q4 2025 | 9.50% | 1.28% | 2.50% | 18.25% | 3.96% |
| Q3 2025 | 9.41% | 1.23% | 2.53% | 18.30% | 3.96% |
| Q2 2025 | 9.32% | 1.07% | 2.35% | 20.88% | 3.70% |
| Q1 2025 | 9.30% | 0.56% | 2.49% | 22.00% | 3.58% |
| Q4 2024 | 9.21% | 1.01% | 2.19% | 19.36% | 3.43% |
| Q3 2024 | 9.32% | 0.92% | 2.20% | 19.98% | 3.34% |
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 |
|---|---|---|---|
| Meridian Bank (main office) | Wayne , PA | 19087 | $1.04B |
| West Chester Office Branch | West Chester , PA | 19382 | $468.2M |
| Doylestown Branch | Doylestown , PA | 18901 | $232.0M |
| Blue Bell - Center Square Branch | Blue Bell , PA | 19422 | $213.9M |
| Philadelphia Branch | Philadelphia , PA | 19103 | $128.2M |
| Media Branch | Media , PA | 19063 | $104.8M |
| Meridian Bank - Bonita Springs, Fl Branch | Bonita Springs , FL | 34135 | $16.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in PA, rank 33 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 3,346 applications, 2,560 loans originated, $928.9M originated, across 37 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 108 loans, $113.5M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 Meridian Bank
What are Meridian Bank's total assets?
As of the Q2 2026 filing, Meridian Bank reported total assets of $2.59 billion in its FFIEC call report.
Where is Meridian Bank headquartered?
It is headquartered in Malvern, PA, United States.
When was Meridian Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Meridian Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Meridian Bank?
Meridian Bank's primary federal regulator is the FDIC.
How many branches does Meridian Bank 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 Meridian Bank's Texas Ratio?
Its Texas Ratio is 27.59% 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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