The Neffs National Bank: how it compares with its peers
Against 40 PA banks with half to twice its assets, The Neffs National Bank's strongest measure in Q2 2026 is assets per employee ($8.1M vs. a $7.3M peer median). Its weakest relative measure is net interest margin (2.67% vs. 3.36%).
| Measure | The Neffs National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.53% | 0.83% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.67% | 3.36% | Bottom third Ahead of 13% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.92% | 65.73% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $7.3M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.80% | 78.41% | Context |
What it means for lending operations
Its efficiency ratio of 78.92% is above the 65.73% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community State Bank of Orbisonia Orbisonia, PA · $473M
- Elderton State Bank Elderton, PA · $465M
- United Savings Bank Philadelphia, PA · $461M
- Hometown Bank of Pennsylvania Bedford, PA · $454M
- Ambler Savings Bank Ambler, PA · $502M
- Hamlin Bank and Trust Company Smethport, PA · $503M
Questions about The Neffs National Bank
How big is The Neffs National Bank?
The Neffs National Bank, established in 1923, is headquartered in Neffs, PA. It reported $471M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Neffs National Bank's return on assets?
0.53% annualized in Q2 2026, against a 0.83% median for 40 PA banks with half to twice its assets, ahead of 18% of them.
What is The Neffs National Bank's efficiency ratio?
78.92% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 65.73%, and lower is better.
Is The Neffs National Bank growing its loans?
Net loans grew 3.9% over the year to Q2 2026, while deposits grew 3.2%.
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.