← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

Meridian Bank

Wayne, Pennsylvania · $2.59B in assets · beside the 11 other Pennsylvania banks between $1B and $3B

The filing

3.68%
NPA / loans
12th of 12
0.3x
Coverage of noncurrent
12th of 12
0.75%
ROA
11th of 12

Meridian Bank is the fourth largest of the 12 Pennsylvania banks nearest its size between $1B and $3B, with $2.59B in assets at 30 June 2026. Loans are 101.5% of deposits, 10th of 12 against a median of 84.0%, and equity is 9.6% of assets, 3rd of 12. Loans grew +3.7% in the year, 9th of 12, and deposits grew 4.0%; the cohort's median loan growth is +9.9%.

Noncurrent loans are 3.68% of the book, the highest in the cohort against a median of 0.67%; 0.09% is 30 to 89 days past due, and the allowance covers them 0.3 times. Net charge-offs are 0.93% of loans, the highest in the cohort. Commercial real estate is 34.5% of loans, 8th of 12 against a median of 29.1%, and 307% of capital, above the 300% screen, with construction at 139% against the 100% screen.

Return on assets is 0.75%, 11th of 12 against a median of 1.13%, on an efficiency ratio of 64.5%, 9th of 12. Five years ago it was 2.26%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 15.9% of loans).

Nonperforming loans, share of loansPA banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.67% EB Embassy Bank Lehigh Valley 0.05% FD Fidelity Deposit & Discount Bank 0.08% Bo Bank of Bird-in-hand 0.19% EN Ephrata National Bank 0.54% KB Kish Bank 0.57% QB QNB Bank 0.61% JB Journey Bank 0.74% FM Farmers & Merchants Trust Chamber 1.10% WB Wayne Bank 1.21% NB Nextier Bank National Association 1.49% ST Somerset Trust Co. 1.49% MB Meridian Bank 3.68%
Loans, year over yearPA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +9.9% QB QNB Bank +40.8% WB Wayne Bank +26.9% Bo Bank of Bird-in-hand +15.5% KB Kish Bank +14.4% EN Ephrata National Bank +14.2% FD Fidelity Deposit & Discount Bank +13.7% FM Farmers & Merchants Trust Chamber +6.1% JB Journey Bank +4.1% MB Meridian Bank +3.7% EB Embassy Bank Lehigh Valley +3.0% NB Nextier Bank National Association +2.1% ST Somerset Trust Co. -1.0%

SBA 7(a), FY2008 to FY2026

Meridian Bank is the 8th largest 7(a) lender into Pennsylvania of 374, with $373M across 416 loans, 3.0% of everything approved in the state (The Huntington National Bank leads with $747M). 64 of its 163 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Montgomery, PA$92M2nd of 1606.5%-2.8 pts
Chester, PA$71M2nd of 1218.8%-2.5 pts
Bucks, PA$58M5th of 1405.0%-11.6 pts
Philadelphia, PA$44M6th of 1473.5%-6.7 pts
Delaware, PA$37M4th of 1195.1%-6.0 pts
Camden, NJ$34M6th of 1264.1%-7.2 pts
Burlington, NJ$20M6th of 1262.7%-4.1 pts
Middlesex, NJ$19M23rd of 1501.5%+2.4 pts
Union, NJ$16M15th of 1401.9%+1.3 pts
Lancaster, PA$15M12th of 1042.7%-4.5 pts
Atlantic, NJ$14M5th of 864.3%+0.8 pts
Lee, FL$12M26th of 1691.1%thin
Berks, PA$12M13th of 892.5%+2.3 pts
150 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction136$131M16.4%0.41%41st of 2,063
Manufacturing112$121M15.1%0.30%58th of 2,246
Accommodation & food services120$89M11.2%0.12%156th of 2,596
Professional & technical services83$79M10.0%0.25%55th of 1,955
Administrative & waste services71$68M8.5%0.48%39th of 1,763
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Meridian Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer, Meridian Bank among them; owner-occupied excluded; bold marks a screen met
Meridian BankRankCohort median
Total CRE against capital, the 300% screen307%8th of 12204%
Construction against capital, the 100% screen139%12th of 1249%
Construction and land development, share of loans15.7%11th of 126.4%
Non-owner-occupied nonfarm nonresidential, share of loans14.3%5th of 1216.8%
Total CRE, the guidance definition, share of loans34.5%8th of 1229.1%
CRE growth over 36 months, the third prong+32.2%2nd of 12+59.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Fidelity Deposit & Discount Bank$2.97B1.1%58.5%0.08%0.01%1.0%81.6%8.5%
Nextier Bank National Association$2.93B1.4%50.9%1.49%0.00%1.1%86.8%10.6%
Wayne Bank$2.91B1.0%63.9%1.21%0.17%1.1%89.4%9.3%
Meridian Bank$2.59B0.8%64.5%3.68%0.93%1.0%101.5%9.6%
Somerset Trust Co.$2.47B1.1%66.3%1.49%0.12%1.3%81.3%8.1%
Ephrata National Bank$2.39B1.0%71.4%0.54%0.04%1.1%82.7%9.4%
QNB Bank$2.37B0.7%71.5%0.61%0.00%0.7%82.9%8.8%
Farmers & Merchants Trust Chamber$2.34B1.2%60.1%1.10%0.07%1.4%83.8%8.3%
Kish Bank$2.08B1.2%61.3%0.57%0.03%0.7%117.3%8.4%
Bank of Bird-in-hand$1.91B1.2%52.6%0.19%0.00%0.6%103.4%9.6%
Embassy Bank Lehigh Valley$1.86B0.9%59.0%0.05%0.00%0.9%77.7%6.9%
Journey Bank$1.67B1.7%51.7%0.74%0.03%0.8%84.2%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Meridian BankCohort median
20212026Change20212026Change
Loans$1.50B$2.23B+49%$1.07B$1.73B+62%
Deposits$1.41B$2.20B+56%$1.39B$2.01B+44%
NPA / loans0.55%3.68%+3.13 pts0.43%0.67%+0.24 pts
Efficiency67.8%64.5%-3.3 pts61.1%60.7%-0.4 pts
ROA2.26%0.75%-1.51 pts1.05%1.13%+0.09 pts

This read was prepared for Meridian Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Meridian Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks $1B to $3B
Institution www.meridianbanker.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue