Bank of Bird-in-Hand: how it compares with its peers
Against 30 PA banks with half to twice its assets, Bank of Bird-in-Hand's strongest measure in Q2 2026 is efficiency ratio (52.60% vs. a 60.22% peer median). Its weakest relative measure is net interest margin (3.28% vs. 3.64%).
| Measure | Bank of Bird-in-Hand | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.14% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 3.64% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.60% | 60.22% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.4M | $7.9M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.78% | 85.37% | Context |
What it means for lending operations
Its efficiency ratio of 52.60% is better than the 60.22% 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
- Embassy Bank for the Lehigh Valley Bethlehem, PA · $1.86B
- Kish Bank Belleville, PA · $2.08B
- Journey Bank Bloomsburg, PA · $1.67B
- Community Bank Carmichaels, PA · $1.66B
- First Keystone Community Bank Berwick, PA · $1.57B
- 1st Summit Bank Johnstown, PA · $1.52B
Questions about Bank of Bird-in-Hand
How big is Bank of Bird-in-Hand?
Bank of Bird-in-Hand, established in 2013, is headquartered in Bird In Hand, PA. It reported $1.91B in total assets in its Q2 2026 FDIC call report and operates 16 offices.
What is Bank of Bird-in-Hand's return on assets?
1.17% annualized in Q2 2026, against a 1.14% median for 30 PA banks with half to twice its assets, ahead of 57% of them.
What is Bank of Bird-in-Hand's efficiency ratio?
52.60% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.22%, and lower is better.
Is Bank of Bird-in-Hand growing its loans?
Net loans grew 15.5% over the year to Q2 2026, while deposits grew 19.8%.
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.