Mid Penn Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Mid Penn Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 12.85% in Q3 2026, down 0.68 percentage points from 13.53% in Q3 2025. Across the 12 quarters shown it ranged from 10.49% (Q4 2023) to 13.53% (Q3 2025).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 35.62 percentage points lower than in Q2 2026, at 109.81%. Mid Penn Bank ranks 31st of 109 Pennsylvania banks on return on assets, in the upper half at 1.39% (Q3 2026). Mid Penn Bank reported 1.39% on return on assets for Q3 2026, 0.09 points above the 1.30% median for banks in the $1B-10B asset tier.
Capital adequacy
Largest change in this table: CET1 capital ratio, up 0.30 points to 12.85% in Q3 2026 after 12.55% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 12.85% |
| Tier 1 risk-based capital ratio | 12.85% |
| Total risk-based capital ratio | 13.57% |
| Tier 1 leverage ratio | 10.56% |
| Equity capital to assets | 12.28% |
| Tangible equity to tangible assets | 10.09% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.65% |
| Nonperforming assets ratio | 0.66% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 6.34% |
| Allowance for credit losses to loans | 0.71% |
| Reserve coverage of nonperforming loans | 109.81% |
Earnings
Efficiency ratio changed the most here, up 2.73 points to 57.02% in Q3 2026 from 54.29% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 11.26% |
| Net interest margin | 3.94% |
| Efficiency ratio | 57.02% |
| Yield on earning assets | 5.94% |
| Cost of funds | 2.14% |
Liquidity and funding
Loan-to-deposit ratio changed the most here, down 1.80 points to 92.64% in Q3 2026 from 94.44% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 92.64% |
| Core deposits to total deposits | 91.46% |
| Brokered deposits to total deposits | 1.72% |
| Deposits to assets | 85.79% |
| Securities to assets | 11.82% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 10.49% | 10.49% | 11.34% | 8.92% | 0.98% |
| Q1 2024 | 10.54% | 10.54% | 11.37% | 8.94% | 1.03% |
| Q2 2024 | 10.66% | 10.66% | 11.51% | 9.03% | 0.97% |
| Q3 2024 | 10.84% | 10.84% | 11.70% | 9.04% | 1.00% |
| Q4 2024 | 11.07% | 11.07% | 11.91% | 9.25% | 1.07% |
| Q1 2025 | 11.30% | 11.30% | 12.14% | 9.52% | 1.11% |
| Q2 2025 | 12.51% | 12.51% | 13.32% | 9.91% | 1.02% |
| Q3 2025 | 13.53% | 13.53% | 14.37% | 10.14% | 1.35% |
| Q4 2025 | 13.36% | 13.36% | 14.13% | 10.85% | 1.38% |
| Q1 2026 | 12.54% | 12.54% | 13.31% | 11.12% | 1.07% |
| Q2 2026 | 12.55% | 12.55% | 13.30% | 10.43% | 1.40% |
| Q3 2026 | 12.85% | 12.85% | 13.57% | 10.56% | 1.39% |
Mid Penn Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Mid Penn Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 9889) · FFIEC NIC profile (RSSD 786612)