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

Mid Penn Bank

Millersburg, Pennsylvania · $7.04B in assets · beside the 10 other Pennsylvania banks between $3B and $10B

The filing

327.6%
CRE / capital
11th of 11
12.4%
Equity / assets
2nd of 11
43.8%
CRE / loans
10th of 11

Mid Penn Bank is the fourth largest of the 11 Pennsylvania banks between $3B and $10B, with $7.04B in assets at 30 June 2026. Loans are 94.4% of deposits, 5th of 11 against a median of 95.2%, and equity is 12.4% of assets, 2nd of 11. Loans grew +16.4% in the year, 3rd of 11, and deposits grew 8.4%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.51% of the book, 4th of 11 against a median of 0.60%; 0.25% is 30 to 89 days past due, and the allowance covers them 1.5 times. Commercial real estate is 43.8% of loans, 10th of 11 against a median of 38.6%, and 328% of capital, above the 300% screen, with construction at 56% against the 100% screen.

Return on assets is 1.19%, 9th of 11 against a median of 1.35%, on an efficiency ratio of 59.2%, 8th of 11. Five years ago it was 1.26%. 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 14.7% of loans).

Commercial real estate against capital, the 300% screenPA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 269% PC Penn Community Bank 229% AB Acnb Bank 232% FS Firstrust Savings Bank 245% CN Citizens & Northern Bank 262% UB Univest Bank & Trust Co. 264% CB CNB Bank 269% PS Peoples Security Bank & Trust Co. 290% OB Orrstown Bank 300% ST S & Trust Bank 309% FC First Citizens Community Bank 320% MP Mid Penn Bank 328%
Loans, year over yearPA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.6% CB CNB Bank +37.8% CN Citizens & Northern Bank +22.4% MP Mid Penn Bank +16.4% PS Peoples Security Bank & Trust Co. +7.6% PC Penn Community Bank +7.4% FC First Citizens Community Bank +6.6% FS Firstrust Savings Bank +5.3% OB Orrstown Bank +4.6% UB Univest Bank & Trust Co. +3.5% AB Acnb Bank +3.1% ST S & Trust Bank +1.6%

SBA 7(a), FY2008 to FY2026

Mid Penn Bank is the 20th largest 7(a) lender into Pennsylvania of 374, with $188M across 453 loans, 1.5% of everything approved in the state (The Huntington National Bank leads with $747M). 35 of its 70 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
Camden, NJ$36M5th of 1264.3%-2.6 pts
Dauphin, PA$26M2nd of 718.5%-7.1 pts
Montgomery, PA$21M17th of 1601.5%-1.6 pts
Schuylkill, PA$21M1st of 3928.2%+26.2 pts
Lancaster, PA$19M7th of 1043.6%+2.9 pts
Cumberland, PA$15M6th of 666.1%-6.1 pts
Berks, PA$15M10th of 893.2%+1.3 pts
Cape May, NJ$14M5th of 674.5%-16.5 pts
Burlington, NJ$13M16th of 1261.7%-1.9 pts
Chester, PA$12M19th of 1211.5%-1.5 pts
Middlesex, NJ$11M39th of 1500.9%-1.9 pts
Philadelphia, PA$11M36th of 1470.9%-2.5 pts
Luzerne, PA$11M5th of 715.2%+3.3 pts
57 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
Accommodation & food services131$63M19.4%0.08%189th of 2,596
Retail trade85$42M13.1%0.07%204th of 2,589
Other services82$40M12.4%0.11%147th of 2,248
Professional & technical services58$38M11.7%0.12%120th of 1,955
Wholesale trade44$23M7.1%0.09%172nd of 1,651
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and Mid Penn 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 MP Mid Penn Bank 1.5% $188M · 453 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; owner-occupied excluded; bold marks a screen met
Mid Penn BankRankCohort median
Total CRE against capital, the 300% screen328%11th of 11269%
Construction against capital, the 100% screen56%9th of 1144%
Construction and land development, share of loans7.4%8th of 116.6%
Non-owner-occupied nonfarm nonresidential, share of loans28.4%9th of 1123.8%
Total CRE, the guidance definition, share of loans43.8%10th of 1138.6%
CRE growth over 36 months, the third prong+31.8%6th of 11+31.8%

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
S & Trust Bank$9.94B1.5%55.1%0.50%0.07%1.2%99.2%13.8%
CNB Bank$8.41B1.4%57.5%0.84%0.05%1.0%90.6%10.9%
Univest Bank & Trust Co.$8.17B1.3%60.2%0.62%0.09%1.3%100.2%11.3%
Mid Penn Bank$7.04B1.2%59.2%0.51%0.04%0.7%94.4%12.4%
Firstrust Savings Bank$5.62B1.8%54.8%0.79%0.42%1.6%97.2%10.7%
Orrstown Bank$5.61B1.7%55.8%0.60%0.10%1.1%89.0%11.1%
Peoples Security Bank & Trust Co.$5.43B1.3%56.7%0.33%0.06%1.0%95.4%11.3%
Acnb Bank$3.30B1.8%52.7%0.40%0.01%1.0%95.2%12.3%
First Citizens Community Bank$3.19B1.4%53.5%1.70%0.00%1.0%100.1%11.4%
Citizens & Northern Bank$3.14B1.0%60.1%1.70%0.88%1.4%90.2%11.3%
Penn Community Bank$3.07B0.6%72.6%0.56%0.03%0.9%90.3%10.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Mid Penn BankCohort median
20212026Change20212026Change
Loans$2.52B$5.63B+124%$2.24B$4.30B+92%
Deposits$2.83B$5.97B+110%$2.62B$4.62B+77%
NPA / loans0.33%0.51%+0.18 pts0.64%0.60%-0.05 pts
Efficiency54.4%59.2%+4.8 pts55.6%56.7%+1.2 pts
ROA1.26%1.19%-0.07 pts1.33%1.35%+0.03 pts

This read was prepared for Mid Penn 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 Mid Penn 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 $3B to $10B
Institution www.midpennbank.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.
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