Meridian 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: 4.05 percentage points lower than in Q1 2026, at 22.40%. Within Pennsylvania, Meridian Bank is 56th of 109 on return on assets, 1.06% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Meridian Bank sits 0.22 points lower, at 1.06% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.72% |
| Equity capital to assets | 9.63% |
| Tangible equity to tangible assets | 9.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.29% |
| Non-performing assets ratio | 3.84% |
| Net charge-off ratio | 0.47% |
| Texas ratio | 37.17% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 22.40% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.06% |
| Return on equity | 11.09% |
| Net interest margin | 3.83% |
| Efficiency ratio | 64.76% |
| Yield on earning assets | 6.56% |
| Cost of funds | 2.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.49% |
| Core deposits to total deposits | 75.64% |
| Brokered deposits to total deposits | 22.44% |
| Deposits to assets | 84.89% |
| Securities to assets | 9.07% |
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 | 9.65% | 0.84% | 3.41% | 1.77% | 0.21% |
| Q4 2023 | 9.46% | 0.24% | 3.33% | 2.00% | 0.50% |
| Q1 2024 | 9.42% | 0.61% | 3.19% | 2.19% | 0.50% |
| Q2 2024 | 9.33% | 0.69% | 3.17% | 2.12% | 0.87% |
| Q3 2024 | 9.32% | 0.92% | 3.34% | 2.49% | 0.47% |
| Q4 2024 | 9.21% | 1.01% | 3.43% | 2.47% | 1.44% |
| Q1 2025 | 9.30% | 0.56% | 3.58% | 3.02% | 0.57% |
| Q2 2025 | 9.32% | 1.07% | 3.70% | 3.16% | 0.70% |
| Q3 2025 | 9.41% | 1.23% | 3.96% | 3.35% | 0.36% |
| Q4 2025 | 9.50% | 1.28% | 3.96% | 3.20% | 0.65% |
| Q1 2026 | 9.58% | 0.46% | 3.92% | 3.62% | 1.44% |
| Q2 2026 | 9.72% | 1.06% | 3.83% | 4.29% | 0.47% |
Meridian Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Meridian 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 Meridian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57777) · FFIEC NIC profile (RSSD 3271799)