Elderton State Bank: how it compares with its peers
Against 40 PA banks with half to twice its assets, Elderton State Bank's strongest measure in Q2 2026 is efficiency ratio (44.27% vs. a 66.37% peer median). Its weakest relative measure is assets per employee ($8.5M vs. $7.3M).
| Measure | Elderton State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.66% | 0.81% | Top third Ahead of 90% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.34% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.27% | 66.37% | Top third Ahead of 95% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.3M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 108.08% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 44.27% is better than the 66.37% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- United Savings Bank Philadelphia, PA · $461M
- The Neffs National Bank Neffs, PA · $471M
- Community State Bank of Orbisonia Orbisonia, PA · $473M
- Hometown Bank of Pennsylvania Bedford, PA · $454M
- SSB Bank Pittsburgh, PA · $430M
- Ambler Savings Bank Ambler, PA · $502M
Questions about Elderton State Bank
How big is Elderton State Bank?
Elderton State Bank, established in 1919, is headquartered in Elderton, PA. It reported $465M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Elderton State Bank's return on assets?
1.66% annualized in Q2 2026, against a 0.81% median for 40 PA banks with half to twice its assets, ahead of 90% of them.
What is Elderton State Bank's efficiency ratio?
44.27% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 66.37%, and lower is better.
Is Elderton State Bank growing its loans?
Net loans grew 12.3% over the year to Q2 2026, while deposits grew 7.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.