Mid Penn Bank
Mid Penn Bank is an FDIC-insured commercial bank headquartered in Millersburg, PA, supervised by the FDIC, with $7.12B in total assets at Q3 2026, up 13.9% from Q3 2025, the 12th largest of 109 banks headquartered in Pennsylvania. It was established in 1868 and holds FDIC certificate 9889. Its CET1 capital ratio was 12.85% at Q3 2026, above regulatory requirements.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9889
- Headquarters
- Millersburg, PA
- Established
- 1868
- Total assets, Q3 2026
- $7.12B
- Assets vs Q3 2025
- +13.9%
- CET1 ratio, Q3 2026
- 12.85%
- Domestic offices
- 67 branches
- Routing number
- 031308807
- Safety and soundness
- Is Mid Penn Bank safe?
- Latest call report
- Q3 2026, FFIEC 041 · Mid Penn Bank call report
- Holding company
- MID PENN BANCORP, INC.
- Asset rank in state
- 12th of 109 in Pennsylvania
Mid Penn Bank, based in Millersburg, Pennsylvania, reported $7.1 billion in assets at September 30, 2026, up 13.9% from a year earlier. It grew its loan book 17.2% over the year, about triple the median of 6.0% for the 887 banks with $1 billion to $10 billion in assets. It also holds about a fifth of its deposits (19%) above the FDIC insurance limit, lower than about three-quarters of banks its size (median 31.1%).
Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.65% of loans from 0.37% a year earlier. The commercial and industrial book ($674 million) is worsening: 1.90% of it is past due or on nonaccrual, up from 0.82% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.3 times).
As of September 30, 2026, Mid Penn Bank reported a CET1 capital ratio of 12.85%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 6.34%. The figures come from its call report filed with the FFIEC.
Mid Penn Bank ranks as the 12th largest of the 109 banks based in Pennsylvania, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 1.1% to $7.12B, loans rose 0.4% and deposits rose 2.4%. Non-owner-occupied commercial real estate loans made up 28.0% of its total loans on September 30, 2026, its largest category; next came 1-4 family residential loans at 23.5%. Its 66 offices in the FDIC Summary of Deposits are in 58 cities across 2 states; its Collingswood office books 9% of its branch deposits. By the capital ratios in its Q3 2026 call report, Mid Penn Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 349 Union St, Millersburg, PA 17061
- County
- Dauphin
- Metro Area
- Harrisburg-Carlisle, PA
- 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 041
- Established
- February 21, 1868
- Domestic offices
- 67 branches
- Employees (FTE)
- 806
- Domestic deposits
- $6.11B
- Allowance for credit losses
- $40.2M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $7.08B
- Average total loans
- $5.62B
- Average interest-bearing deposits
- $5.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9889
- Fed RSSD
- 786612
- SEC CIK
- 879635 → filed by MID PENN BANCORP, INC.
- Website
- www.midpennbank.com →
- Parent Holding Company
- MID PENN BANCORP, INC. (RSSD 1944204) · MPB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rory G Ritrievi | CEO | President and CEO |
| Justin T. Webb | CFO | Chief Financial Officer |
| Dana R Stewart | COO | Chief Operating Officer |
| Christopher Nestore | CRO | Chief Risk Officer |
| Paul W Spotts | CCO | Chief Credit Officer |
| Livingston John Paul | CIO | CIO & CTO |
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, Mid Penn Bank's total assets ran between $5.29B (Q4 2023) and $7.12B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$7.12B total assets against $6.25B; $6.24B total liabilities against $5.48B.
$5.62B net loans and leases against $4.79B; $6.11B total deposits against $5.39B.
$841.6M securities against $781.9M; $168.6M cash and balances due against $255.7M.
$97.6M total interest income against $86.9M; $32.9M total interest expense against $32.9M.
$64.6M net interest income against $54.0M.
$6.3M total noninterest income against $7.1M; $41.9M total noninterest expense against $34.5M.
-$1.6M provision for credit losses against -$433K.
$24.6M net income against $21.6M.
1.39% return on assets against 1.35%; 3.94% net interest margin against 3.64%.
12.85% CET1 capital ratio against 13.53%; 10.56% tier 1 leverage ratio against 10.14%.
Inside the full Mid Penn 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Mid Penn Bank rankings
Its closest position to the top of a national ranking is 213 of 4,193, for total assets; its furthest is 827 of 973, for uninsured deposits.
Banks merged into Mid Penn Bank
- 1st Colonial Community Bank, effective February 28, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.02% (Q2 2025) to 1.40% (Q2 2026) and its net interest margin ran from 3.24% (Q4 2024) to 4.04% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.85% | 1.39% | 0.65% | 6.34% | 3.94% |
| Q2 2026 | 12.55% | 1.40% | 0.51% | 5.01% | 4.04% |
| Q1 2026 | 12.54% | 1.07% | 0.53% | 5.27% | 3.73% |
| Q4 2025 | 13.36% | 1.38% | 0.47% | 4.48% | 3.82% |
| Q3 2025 | 13.53% | 1.35% | 0.37% | 3.99% | 3.64% |
| Q2 2025 | 12.51% | 1.02% | 0.37% | 4.07% | 3.32% |
| Q1 2025 | 11.30% | 1.11% | 0.53% | 4.50% | 3.33% |
| Q4 2024 | 11.07% | 1.07% | 0.51% | 4.39% | 3.24% |
Swipe the table sideways to see every column.
Branch Network
View all 66 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 |
|---|---|---|---|
| Collingswood Branch | Collingswood , NJ | 08108 | $546.8M |
| Mid Penn Bank (main office) | Millersburg , PA | 17061 | $331.8M |
| Camp Hill Branch | Camp Hill , PA | 17011 | $268.1M |
| Blue Bell Branch | Blue Bell , PA | 19422 | $198.0M |
| Front Street Branch | Harrisburg , PA | 17110 | $183.8M |
| Jonestown Road Branch | Harrisburg , PA | 17112 | $159.1M |
| Newtown Branch | Newtown , PA | 18940 | $152.5M |
| Elizabethville Branch | Elizabethville , PA | 17023 | $145.8M |
| Connellsville Branch | Connellsville , PA | 15425 | $130.8M |
| West Chester Branch | West Chester , PA | 19380 | $127.3M |
| Minersville Branch | Minersville , PA | 17954 | $126.6M |
| Derry Street Branch | Harrisburg , PA | 17111 | $113.6M |
| Wyomissing Branch | Wyomissing , PA | 19610 | $111.7M |
| Scottdale Branch | Scottdale , PA | 15683 | $111.3M |
| Oregon Pike Branch | Lancaster , PA | 17601 | $110.9M |
| Orwigsburg Branch | Orwigsburg , PA | 17961 | $110.7M |
| Camden Branch | Camden , NJ | 08102 | $110.0M |
| Hamilton Branch | Hamilton , NJ | 08690 | $108.1M |
| Clearfield Branch | Clearfield , PA | 16830 | $106.0M |
| Muhlenberg Branch | Temple , PA | 19560 | $104.3M |
| Marysville Branch | Marysville , PA | 17053 | $98.1M |
| Tower City Branch | Tower City , PA | 17980 | $97.8M |
| Countryside Branch | Mount Pleasant , PA | 15666 | $97.1M |
| Middletown Branch | Middletown , PA | 17057 | $95.4M |
| Simpson Ferry Branch | Mechanicsburg , PA | 17050 | $92.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 28, 2026 | Structure Change | Acquired 1st Colonial Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2026 | M&A | Acquired 1st Colonial Community Bank merger for the acquired bank | SEC |
| February 27, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2025 | M&A | Acquired William Penn Bank merger for the acquired bank | SEC |
| May 1, 2025 | Structure Change | Acquired William Penn Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 20, 2023 | M&A | Acquired Brunswick Bank and Trust Company merger for the acquired bank | SEC |
| May 20, 2023 | Structure Change | Acquired Brunswick Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 19, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2021 | M&A | Acquired Riverview Bank merger for the acquired bank | SEC |
| December 1, 2021 | Structure Change | Acquired Riverview Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | M&A | Acquired First Priority Bank merger for the acquired bank | SEC |
| August 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | Structure Change | Acquired First Priority Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 9, 2018 | Structure Change | Acquired The Scottdale Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 9, 2018 | M&A | Acquired The Scottdale Bank & Trust Company merger for the acquired bank | SEC |
| January 8, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2015 | M&A | Acquired Miners Bank merger for the acquired bank | SEC |
| March 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2015 | Structure Change | Acquired Miners Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 1998 | M&A | Acquired Miners Bank of Lykens merger for the acquired bank | SEC |
| July 11, 1998 | Structure Change | Acquired Miners Bank of Lykens Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 10, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1985 | Structure Change | Acquired Tower City National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1985 | M&A | Acquired Tower City National Bank merger for the acquired bank | SEC |
| January 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 1971 | M&A | Acquired Farmers State Bank of Dalmatia merger for the acquired bank | SEC |
| November 18, 1971 | Structure Change | Acquired Farmers State Bank of Dalmatia Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 1971 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 1962 | M&A | Acquired Lykens Valley Bank merger for the acquired bank | SEC |
| April 23, 1962 | Structure Change | Acquired Lykens Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 32 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (FDIC); 1 against individuals associated with it
- July 1, 2011, FDIC: Assessment of Civil Money Penalty: MID PENN BANK
- May 16, 2011, FDIC: Assessment of Civil Money Penalty: MID PENN BANK
- Period: Most recent institution action July 1, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.8% of deposits in PA, rank 23 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,357 applications, 885 loans originated, $291.3M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 16 loans, $13.7M approved, $857K 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
- 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 Mid Penn Bank
What are Mid Penn Bank's total assets?
As of the Q3 2026 filing, Mid Penn Bank reported total assets of $7.12 billion in its FFIEC call report.
Where is Mid Penn Bank headquartered?
It is headquartered in Millersburg, PA, United States.
When was Mid Penn Bank founded?
It was established in 1868, per the FDIC institution directory.
Is Mid Penn Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Mid Penn Bank?
Mid Penn Bank's primary federal regulator is the FDIC.
What is Mid Penn Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.85% in its Q3 2026 call report, above regulatory requirements.
How many branches does Mid Penn Bank operate?
It operates 67 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Mid Penn Bank's Texas Ratio?
Its Texas Ratio is 6.34% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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