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The Neffs National Bank
Neffs, PA · FDIC Certificate #7646 · Chartered 04/0
Total assets
$470.81M
Total deposits
$371.89M
Total equity
$71.70M
Net loans
$255.85M
Branches (offices)
3
Net income (YTD)
$1.25M
Rank: #1,856 of 4,213 U.S. banks by assets · #70 of 109 in Pennsylvania. Assets changed 0.7% and deposits 3.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.53% |
| Return on equity | 3.50% |
| Net interest margin (YTD) | 2.67% |
| Equity to assets | 15.23% |
| Tier 1 leverage ratio | 16.82% |
| Uninsured deposits (share of deposits) | 9.5% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 68.8% |
| Real estate loans (share of loans) | 83.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $213.26M | 83.4% | |
| Commercial & industrial | $3.68M | 1.4% | |
| Consumer / individual | $25.09M | 9.8% | |
| Construction & development | $590.00K | 0.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $456.82M | $381.67M | $2.11M | $68.30M |
| Jun 2023 | $461.48M | $368.13M | $1.67M | $67.55M |
| Jun 2024 | $456.72M | $371.92M | $929.00K | $65.75M |
| Jun 2025 | $467.50M | $360.31M | $1.40M | $69.03M |
| Jun 2026 | $470.81M | $371.89M | $1.25M | $71.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $371.89M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $371.89M.
Similar-sized banks
Citizens National Bank Of Cheboygan ($470.96M) · Iowa State Bank ($470.73M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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