The Neffs National 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: 25.64 percentage points higher than in Q1 2026, at 626.95%. The Neffs National Bank ranks 86th of 109 Pennsylvania banks on return on assets, in the lower half at 0.57% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, The Neffs National Bank reported 0.57% on return on assets in Q2 2026, 0.69 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.82% |
| Equity capital to assets | 15.23% |
| Tangible equity to tangible assets | 15.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.52% |
| Allowance for credit losses to loans | 0.90% |
| Reserve coverage of non-performing loans | 626.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.57% |
| Return on equity | 3.72% |
| Net interest margin | 2.84% |
| Efficiency ratio | 73.66% |
| Yield on earning assets | 4.30% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 69.42% |
| Core deposits to total deposits | 92.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.99% |
| Securities to assets | 41.86% |
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 | 16.67% | 0.56% | 2.33% | 0.19% | 0.03% |
| Q4 2023 | 17.04% | 0.61% | 2.30% | 0.11% | 0.01% |
| Q1 2024 | 16.47% | 0.36% | 2.15% | 0.22% | -0.01% |
| Q2 2024 | 16.48% | 0.45% | 2.24% | 0.21% | 0.01% |
| Q3 2024 | 16.32% | 0.59% | 2.34% | 0.12% | -0.01% |
| Q4 2024 | 16.42% | 0.64% | 2.35% | 0.12% | 0.00% |
| Q1 2025 | 16.63% | 0.59% | 2.39% | 0.18% | -0.00% |
| Q2 2025 | 16.57% | 0.62% | 2.47% | 0.11% | -0.00% |
| Q3 2025 | 16.41% | 0.58% | 2.53% | 0.17% | 0.04% |
| Q4 2025 | 16.69% | 0.69% | 2.67% | 0.16% | -0.00% |
| Q1 2026 | 16.62% | 0.50% | 2.66% | 0.15% | -0.01% |
| Q2 2026 | 16.82% | 0.57% | 2.84% | 0.14% | 0.02% |
The Neffs National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Neffs National 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 The Neffs National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7646) · FFIEC NIC profile (RSSD 144913)