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Mid Penn Bank

IDRSSD: 786612
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q2QoQ +8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #786612 2025-Q2 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↑ +8 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↑ +16
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +11

The five pillars

Liquidity

StableQoQ +11
77
Sub-score

Liquidity is stable: brokered 5.4%, loans/deposits 87.2%, cash 5.3% of assets.

Cash / Assets
5.29%
Loans / Deposits
87.22%
Brokered %
5.45%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.74%
No watch items at this period.

Capitalization

StrongQoQ +16
83
Sub-score

Capital position is strong: Tier 1 RBC 12.51%, CET1 12.51%, leverage 10.09%.

Tier 1 RBC
12.51%
CET1
12.51%
Leverage
10.09%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.37%, Texas Ratio 2.8%, NCO YTD 0.07%.

Adjusted NPL
0.37%
Govt-guarantees stripped
Texas Ratio
2.8%
NCO YTD
0.07%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +11
76
Sub-score

Reserves are stable: ALLL 0.78% of loans, coverage 209.0%, true coverage 209.0%.

ALLL / Loans
0.78%
Coverage
209.0%
True Loss Coverage
209.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-15 01:15:24 UTC