The Neffs National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Neffs National Bank is an FDIC-insured commercial bank headquartered in Neffs, PA, established in 1923 (FDIC certificate 7646), and it is supervised by the OCC. At Q2 2026 it reported total assets of $470.8M, up 0.7% from Q2 2025, the 70th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.82% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7646
- Headquarters
- Neffs, PA
- Established
- 1923
- Total assets, Q2 2026
- $470.8M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 16.82%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 031316608
- Latest call report
- Q2 2026, FFIEC 051 · The Neffs National Bank call report
- Holding company
- NEFFS BANCORP, INC.
- Asset rank in state
- 70th of 109 in Pennsylvania
The Neffs National Bank, based in Neffs, Pennsylvania, reported $471 million in assets at June 30, 2026. It returns 3.7% a year on shareholders' equity, about a third the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 2.84 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 $32 million equal 41% of Tier 1 capital, down from 52% a year earlier. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Neffs National Bank reported a return on assets of 0.57%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.14%. The figures come from its call report filed with the FFIEC.
The Neffs National Bank ranks as the 70th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $470.8M, loans rose 1.5% and deposits rose 1.8%. 1-4 family residential loans made up 48.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.5%. The FDIC Summary of Deposits lists 3 offices for it, in Neffs, PA, Walnutport, PA and Palmerton, PA; its Neffs office books 76% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Neffs National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5629 Route 873, Neffs, PA 18065
- County
- Lehigh
- Metro Area
- Allentown-Bethlehem-Easton, PA-NJ
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 3, 1923
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $371.9M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $467.5M
- Average total loans
- $255.4M
- Average interest-bearing deposits
- $285.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7646
- Fed RSSD
- 144913
- SEC CIK
- 797838 → filed by NEFFS BANCORP, INC.
- Website
- http://www.neffsnatl.com →
- Parent Holding Company
- NEFFS BANCORP, INC. (RSSD 1140097)
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, The Neffs National 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, The Neffs National Bank's total assets ranged from $455.4M (Q4 2023) to $470.8M (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
$470.8M total assets against $467.5M; $399.1M total liabilities against $398.5M.
$255.9M net loans and leases against $246.3M; $371.9M total deposits against $360.3M.
$197.1M securities against $204.5M; $5.3M cash and balances due against $5.5M.
$4.8M total interest income against $4.6M; $1.7M total interest expense against $1.9M.
$3.1M net interest income against $2.7M.
$186K total noninterest income against $85K; $2.6M total noninterest expense against $2.2M.
$51K provision for credit losses against -$13K.
$664K net income against $724K.
0.57% return on assets against 0.62%; 2.84% net interest margin against 2.47%.
16.82% tier 1 leverage ratio against 16.57%.
Inside the full The Neffs National 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.
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.
The Neffs National Bank rankings
Its closest position to the top of a national ranking is 1,848 of 4,196, for total assets; its furthest is 3,177 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.50% (Q1 2026) to 0.69% (Q4 2025) and its net interest margin ran from 2.34% (Q3 2024) to 2.84% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.82% | 0.57% | 0.04% | 0.14% | 2.84% |
| Q1 2026 | 16.62% | 0.50% | 0.04% | 0.13% | 2.66% |
| Q4 2025 | 16.69% | 0.69% | 0.04% | 0.13% | 2.67% |
| Q3 2025 | 16.41% | 0.58% | 0.04% | 0.15% | 2.53% |
| Q2 2025 | 16.57% | 0.62% | 0.06% | 0.20% | 2.47% |
| Q1 2025 | 16.63% | 0.59% | 0.05% | 0.16% | 2.39% |
| Q4 2024 | 16.42% | 0.64% | 0.05% | 0.17% | 2.35% |
| Q3 2024 | 16.32% | 0.59% | 0.05% | 0.18% | 2.34% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The Neffs National Bank | Neffs , PA | 18065 | $284.1M |
| Walnutport Branch | Walnutport , PA | 18088 | $76.5M |
| The Neffs National Bank - Palmerton Office Branch | Palmerton , PA | 18071 | $11.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 92 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 63 applications, 48 loans originated, $10.4M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 The Neffs National Bank
What are The Neffs National Bank's total assets?
As of the Q2 2026 filing, The Neffs National Bank reported total assets of $470.8 million in its FFIEC call report.
Where is The Neffs National Bank headquartered?
It is headquartered in Neffs, PA, United States.
When was The Neffs National Bank founded?
It was established in 1923, per the FDIC institution directory.
Is The Neffs National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7646). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Neffs National Bank?
The Neffs National Bank's primary federal regulator is the OCC.
How many branches does The Neffs National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Neffs National Bank's Texas Ratio?
Its Texas Ratio is 0.14% 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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