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Overview / Commentary
349 Union Street
Millersburg, PA 17061

Mid Penn Bank is headquartered in Millersburg and is the 50th largest bank in the state of Pennsylvania. It is also the 945th largest bank in the nation. It was established in 1868 and as of March of 2014, it had grown to 182 employees at 14 locations. Mid Penn Bank's money market rates are 48% higher than the national average, and it has a C+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Mid Penn Bank had $11.51 million in non-current loans and owned real-estate with $61.59 million in equity and loan loss allowances on hand to cover it. This gives Mid Penn Bank a Texas Ratio of 18.69% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Mid Penn Bank decreased slightly from 21.03% as of March 31, 2013 to 18.69% as of March 31, 2014, resulting in a positive change of 11.13%.This indicates that the balance sheet and financial strength for Mid Penn Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Mid Penn Bank has decreased its total deposits by -$33.47 million, resulting in -5.23% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mid Penn Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mid Penn Bank has $718.45 million in assets with $61.59 million in equity, resulting in a capitalization level of 8.57%, which is average.

Institution Statistics

FDIC Certificate #9889
Year Established1868
Primary RegulatorFDIC
Assets and Liabilities
Assets$718.45 million
Loans$543.32 million
Deposits$606.77 million
Equity Capital$55.17 million
Loan Loss Allowance$6.42 million
Unbacked Noncurrent Loans$10.43 million
Real Estate Owned$1.08 million
Historic Data - March 2013
Assets$726.40 million
Equity Capital$52.44 million
Loan Loss Allowance$5.87 million
Unbacked Noncurrent Loans$10.43 million
Real Estate Owned$772,000
Profit Margin - Quarterly
Net Interest Margin3.74%
Return on Assets0.86%
Return on Equity11.42%
Interest Income$7.38 million

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Mid Penn Bank Savings Account Rates

0.10%--Automatic Deduction Club Account
0.05%--Simple Savings
0.05%--Coupon Book Club Account
0.05%--My Savings

Mid Penn Bank Money Market Rates

0.65%$250k-Flex Money Market
0.65%$250k-Business Money Market

Mid Penn Bank Checking Account Rates

0.10%$100k-Free Non-Profit Checking
0.10%$100k-Free Goverment Checking
0.10%--IOLTA Accounts
0.10%$10k-Simply Free Checking
0.07%$10k-Business Interest Checking

Mid Penn Bank CD Rates

0.85%$500-5 Year CD
0.85%$500-10 Year CD
0.85%$500-7 Year CD
0.85%$500-6 Year CD
0.85%$500-8 Year CD
0.85%$500-9 Year CD
0.75%$500-4 Year CD
0.55%$500-3 Year CD
0.45%$500-2 1/2 Year CD
0.40%$500-2 Year CD
0.35%$500-1 1/2 Year CD
0.30%$500-1 Year CD
0.25%$500-6 Month CD
0.20%$500-3 Month CD

Mid Penn Bank IRA Rates

0.85%$500-5 Year IRA
0.85%$500-10 Year IRA
0.85%$500-6 year IRA
0.85%$500-7 Year IRA
0.85%$500-8 Year IRA
0.85%$500-9 Year IRA
0.60%$500-4 Year IRA
0.40%$500-3 Year IRA
0.25%$100-2 Year IRA (Fixed Add-On)
0.15%$500-1 Year IRA
0.02%$25-2 Year IRA (Variable)

Mid Penn Bank has 14 locations. Click to view all Mid Penn Bank locations.