# MID PENN BANK
MILLERSBURG, PA · FDIC certificate 9889 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.04B | |
| Deposits | $5.97B | |
| Loans and leases | $5.63B | |
| Total equity | $872.0M | |
| Loans / deposits | 93.74% (p71 of band) | 87.10% |
| Liquid assets / assets | 13.70% (p17 of band) | |
| Uninsured deposits / deposits | 20.01% (p18 of band) | 30.76% |
| Brokered deposits | 1.92% | |
| Wholesale funding | 3.91% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.43% (p48 of band) | 10.50% |
| Unrealized securities loss / equity | -5.25% (p62 of band) | -7.75% |
| AOCI / equity | -0.33% (p48 of band) | |
| ROA (annualized) | 1.24% (p49 of band) | 1.26% |
| Net interest margin | 3.90% (p63 of band) | 3.70% |
| Efficiency ratio | 57.43% (p44 of band) | |
| Noncurrent loans | 0.51% (p50 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p55 of band) | |
| Reserve coverage of noncurrent | 145.43% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 47.99% (p50 of band) | |
| Auto loans | $792,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 814 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | leverage <7% |  |
| 2013-03 | 1 |  | leverage <7% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | deposits shrinking |  |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | construction >100% equity |  |
| 2015-03 | 1 |  | construction >100% equity |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, reserve under noncurrent |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | loans exceed deposits |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | loans exceed deposits |
| 2021-03 | 0 |  | reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 1 | uninsured deposits leaving | deposits shrinking |
| 2023-06 | 1 | capital falling | uninsured deposits leaving |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2024-03 | 1 |  | capital falling, uninsured deposits leaving, brokered >10% |
| 2024-06 | 0 |  | wholesale funding >15% |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | uninsured deposits leaving |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 1 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-28 [Mid Penn Bank Named One of Pennsylvania’s Greatest Places to Intern - pabusinesscentral.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNUEo4bUwxR0tIbU9mOHdXR0FpOEs4YVVnMlNlWmYwaFBxbnh0QVBlVkd0SnBMZWZjaEV1ODhESjMwbUJzT2hjckZIWW9lVGtjYTl3VnVmSEQ2OXUxVWE0dmhJNGVIQjRxakhidEJ0M0UwRk01TmZILW5XYTBzR09XMlJtSThRMm1XSk94TDktWl83SmJMdDZHYXhKT1lrUmR5VV80S2ozT09FX3UzVWQ0?oc=5) · pabusinesscentral.com
- 2026-09-01 [Mid Penn Bancorp, Inc. Announces Appointment of New Board Member - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxONFRSODhXZ1MtMXBLQ0Y2MEhTSTVQbTIybDVLNUR1RW9lZ0V2SThUeFdHWTVNb2JiZHYtdEJYbktPX2NMMVJEMVdDZGJEUDZBcTFHZjRXS05JWHQ0QmRfVG9ZQ2RqdmtGc21HTEVkejNueEgtdG1fZzV5WEV5WWkzZkRDRlZreGJHQWhvWk9CQkNCdTVqWGZWanQwR1I3dndZU3dfRFZJR1NPYUtVdHBseTU5WjZfS2tRLWtXRw?oc=5) · Business Wire
- 2026-09-04 [Mid Penn Bancorp appoints new board of directors member - Pennsylvania Business Report -](https://news.google.com/rss/articles/CBMimAFBVV95cUxQOVVXdUZXd3pob0U5Y3FndHA5R2hzQUxhTTZJWUUzUHdDOExka25GNU55MXIxWkV3VFktSFdVYm1KSW1aUGZ5OWl3X3Z4RTZIbS1xRFF2OEFsQ0dlUmwtV2ZBQ1Q2eEpFcE1sTDg1SGdySmw5eEZvSDB0UTdGYVRXc2RjODZhZkd6V2dVb1BNaG9sdDFUa0VkOA?oc=5) · Pennsylvania Business Report -
- 2026-07-16 [11th annual Mid Penn Bank Celebrity Classic draws former athletes, singers, and actors to Central PA to play for a good cause - fox43.com](https://news.google.com/rss/articles/CBMihwJBVV95cUxQS0NONWdCNHhLeVNRc1l6VVZJVlhYLTZlQjVldlRHaEVhTHhMaE5sRTlBR01pR2tpRzBGZ3Z0Z2RPLVJSSUV4SUZpcWlYU09KUjdHUTZWQzgzdVpDZm9sQlZkRWhSSDVRazBNWHpxYjNmOGlJTkpKVnRLMGVHZmNFSjBJd2diOFpqanIxQm9Yai05RWVQblhJZ21CZkhJMUJ6UGtOR0VpTlBCWWdFV3pRNHplTUZaZ2RfZkdmdTlWU3lENm56bFhVd2ZXLThtVDlUNEpJcld4Tm5JWFFjWENjVXF4SUNUdHNGaGlza0FhU2JQYU1Pcm5oT1AwaW5YSTlaWG9LVTc4SQ?oc=5) · fox43.com
- 2026-06-18 [Mid Penn Bank Strengthens Private Banking Services for High-Net-Worth Clients with Hire of Mark Kessler - BUCKSCO.Today](https://news.google.com/rss/articles/CBMifkFVX3lxTE56dnFPdnRIMjN6bW5TTjB6YnA5cnlIWXRZVjA0dmxjczRZeFlWcjg5amlVTGdSSWllZlhOenlLb3AwX2d1YjVqckZBbEVtRm5kUjNQcmkwUXkxdEVvaEpwdm5xWmU2cERYWUtsbktvSDVtaVl6Z0pIdzEwYmNFUQ?oc=5) · BUCKSCO.Today
- 2026-08-03 [Mid Penn Bank Honored for Building Tomorrow's Workforce Through Award-Winning Internships - PHILADELPHIA.Today](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNDZuREdOS05vZ0N4STJjZVdCSUNUYnNmc1V0OFJxRV9xUXJIckJiNjdaYVFlOUdRb2hYRGdzLWRZWml5NUgydDlwaDMxd3FZTk9ZZFBWWklXeVcyMTRhMjdoMVBvREJlaEJGTkZuNGctQ09SWTN0QmRKV1FEVjZ6TEcxejRxWms?oc=5) · PHILADELPHIA.Today
- 2026-07-17 [Mid Penn Bank hires White as Commercial Loan Officer - The Progress](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQa1k2OExDQjdMd2pwLXNubHNYQVdpMGtpVXBwNWdRUjdzX2Z1WFd3amQ0NVNUaUNXWFNFSlRabjVQYWJ5QmJEZEw3UlhJTGx4ZUZYeG1GNzRfQmxVM2xGN211Z1l6Zmt3RjJwM21yUWg0VEl6QldBOXJZNlp0SkhYMVpSdU5qa19KN1kySURJVFNBMVZGU0xPNmdqeVNfTER1NTA3TVlOSVR2TnpEcXNTc3FxMEtQdEppSUlOTTlZa1RSM2xHTkRpY1NWN0Fvd0VUMHJwM0JTSVppVnpRM3c?oc=5) · The Progress
- 2026-09-01 [Former TD Bank chief joins Mid Penn Bancorp (NASDAQ: MPB) board as it moves to annual director elections. - Stock Titan](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTENpSWtJVjhnc2U2X0lfWnR5dm5pWktGQk9GdXp0ZlB1VEJUNnNZUl9xc3JZVEZQNFdtR05JVFdoc1ozS3d0U3ZZYXAtTGpqSHVaaU9kd3VTNWd0M3A0QTZQOEY0aWhEOUNrV3hPaUEtajBZbV9oMmhUeUVmRlNPVm9DMTljelhtdmNtNVBFdWV2S2VYWFdzbWJkNXJWNHNRYnk3MWdXdFdLMWtI?oc=5) · Stock Titan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9889 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/33.json (key "9889", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide