Mid Penn Bank Mortgage Rates, Fees & Info

Millersburg, PA

LEI: 254900L0MIAM922ZEC34

Tax ID: 23-0880270

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Mid Penn Bank is a smaller bank specializing in Home Purchase and Refi loans. Mid Penn Bank has a high proportion of conventional loans. Their top markets by origination volume include: Harrisburg, Philadelphia, Scranton, Pottsville, and Lancaster among others. We have data for 30 markets. (Some data included below & more in-depth data is available with an active subscription.)

Mid Penn Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Mid Penn Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.27%	12/16/24
30 Year Conventional Purchase	6.63%	12/16/24
30 Year Conventional Refi	6.62%	12/16/24
30 Year Cash-out Refi	6.62%	12/16/24
30 Year FHA Purchase	7.72%	12/16/24
30 Year VA Purchase	6.28%	12/16/24
30 Year USDA Purchase	6.81%	12/16/24
15 Year Conventional Purchase	6.18%	12/16/24
15 Year Conventional Refi	6.22%	12/16/24
15 Year Cash-out Refi	6.22%	12/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Mid Penn Bank Mortgage Calculator

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Mid Penn Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

559

Origination Dollar Volume (All Markets)

$144,605,000

Employee count

404

Awards

Mid Penn Bank 30 Year Conventional Loans silver

Show all (2) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	307	$56,285,000	$183,339	$2,268	4.48%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	54	$39,460,000	$730,741	$3,297	4.89%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	10	$5,720,000	$572,000	$2,640	4.76%
Pottsville, PA (FHA\|USDA\|VA)	61	$5,355,000	$87,787	$1,189	4.65%
LANCASTER, PA (FHA\|USDA\|VA)	28	$5,300,000	$189,286	$1,513	4.70%
OCEAN CITY, NJ (FHA\|USDA\|VA)	4	$3,540,000	$885,000	$11,484	4.94%
PITTSBURGH, PA (FHA\|USDA\|VA)	30	$2,930,000	$97,667	$935	21.27%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	4	$2,800,000	$700,000	$11,273	4.94%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$2,635,000	$2,635,000	$0	5.00%
YORK-HANOVER, PA (FHA\|USDA\|VA)	9	$2,495,000	$277,222	$3,340	4.70%
LEBANON, PA (FHA\|USDA\|VA)	8	$2,490,000	$311,250	$2,999	4.73%
WILLIAMSPORT, PA (FHA\|USDA\|VA)	3	$2,485,000	$828,333	$1,290	5.49%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	2	$1,710,000	$855,000	$4,389	4.31%
READING, PA (FHA\|USDA\|VA)	11	$1,675,000	$152,273	$3,665	4.85%
SALISBURY, MD-DE (FHA\|USDA\|VA)	4	$1,610,000	$402,500	$2,611	4.97%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	1	$1,525,000	$1,525,000	$11,321	4.88%
Outside of Metro Areas	3	$1,435,000	$478,333	$2,289	4.98%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	1	$1,005,000	$1,005,000	$4,026	4.50%
STATE COLLEGE, PA (FHA\|USDA\|VA)	2	$890,000	$445,000	$12,005	5.38%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$505,000	$505,000	$0	4.50%
Sunbury, PA (FHA\|USDA\|VA)	5	$475,000	$95,000	$1,449	4.72%
Lock Haven, PA (FHA\|USDA\|VA)	1	$425,000	$425,000	$0	5.55%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,151	3.88%
TALLAHASSEE, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$4,050	3.88%
Somerset, PA (FHA\|USDA\|VA)	2	$280,000	$140,000	$2,802	5.00%
CHAMBERSBURG-WAYNESBORO, PA (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	4.75%
Lewisburg, PA (FHA\|USDA\|VA)	1	$245,000	$245,000	$3,732	3.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,716	3.88%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$185,000	$185,000	$2,578	4.63%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	4.74%

Mid Penn Bank's top markets include Harrisburg, Philadelphia, Scranton, Pottsville, and Lancaster among others.

Their top states include:

Pennsylvania (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Delaware (FHA|USDA|VA)

Maine (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Mid Penn Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Westmoreland Federal Savings
Similarity Rank: 12

TRI BORO
Similarity Rank: 25

The Neffs National Bank
Similarity Rank: 30

POINT BREEZE
Similarity Rank: 36

VISIONS
Similarity Rank: 50

Commercial Bank and Trust of PA
Similarity Rank: 57

Iron Workers Savings Bank
Similarity Rank: 63

HANCOCK COUNTY SAVINGS BANK, FSB, INC.
Similarity Rank: 88

West View Savings Bank
Similarity Rank: 102

Haddon Savings Bank
Similarity Rank: 116

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	559	$144,605,000	$258,685	$2,342	5.49%

For 2018, Mid Penn Bank's most frequently originated type of loan was Conventional, with 559 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	319	$93,905,000	$294,373	$3,388	4.70%
Refi	143	$33,705,000	$235,699	$1,159	8.03%
Other	41	$4,045,000	$98,659	$211	4.23%
Home Improvement	35	$9,055,000	$258,714	$35	4.46%
Cash Out Refi	21	$3,895,000	$185,476	$3,285	4.47%

For 2018, Mid Penn Bank's most frequently cited loan purpose was Home Purchase, with 319 originations. The 2nd most popular reason was Refi, with 143 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	223	$55,155,000	$247,332	$3,557	4.56%
5 Year	87	$20,215,000	$232,356	$69	4.06%
20 Year	72	$22,480,000	$312,222	$2,539	5.11%
10 Year	64	$17,050,000	$266,406	$311	4.92%
Other	51	$19,785,000	$387,941	$169	4.49%
15 Year	49	$7,735,000	$157,857	$2,655	14.79%
1 Year	7	$845,000	$120,714	$1,290	5.79%
3 Year	4	$30,000	$7,500	$0	3.29%
30+ year	2	$1,310,000	$655,000	$7,249	5.13%

For 2018, Mid Penn Bank's most frequently cited loan duration was 30 Year, with 223 originations. The 2nd most popular length was 5 Year, with 87 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	416	$67,200,000	$161,538
$1k-2k	14	$2,450,000	$175,000
$5k+	6	$5,630,000	$938,333
$3k-4k	2	$560,000	$280,000
$2k-3k	1	$135,000	$135,000

Mid Penn Bank's average total fees were $3,557, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 416 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
4-5%	334	$94,670,000	$283,443
3-4%	111	$12,845,000	$115,721
5-6%	103	$35,935,000	$348,883
6-7%	9	$1,085,000	$120,556
<2.5%	1	$5,000	$5,000
Over 8%	1	$65,000	$65,000

During 2018, Mid Penn Bank's average interest rate for loans was 4.56%, while their most frequently originated rate bucket for loans was 4-5%, with 334 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100,000 or less	218	$10,420,000	$47,798	$630	6.83%
$100k-200k	179	$26,425,000	$147,626	$2,812	4.61%
$200k-400k	100	$26,490,000	$264,900	$3,377	4.61%
$400k-600k	26	$11,860,000	$456,154	$5,254	4.68%
$1MM+	24	$59,630,000	$2,484,583	$11,165	4.78%
$600k-1MM	12	$9,780,000	$815,000	$5,446	4.89%

2018 saw Mid Penn Bank place emphasis on $100,000 or less loans with 218 originations, totaling $10,420,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	123	$11,115,000	$90,366	$1,797	8.51%
$50k-75k	111	$13,565,000	$122,207	$2,039	4.48%
$100k-150k	72	$9,920,000	$137,778	$1,891	4.51%
$75k-100k	60	$8,610,000	$143,500	$2,094	4.60%
$150k-250k	55	$12,055,000	$219,182	$3,154	4.68%
$250k+	47	$27,515,000	$585,426	$5,180	4.65%

Mid Penn Bank lent most frequently to those with incomes in the $50k or less range, with 123 originations. The second most popular income band? $50k-75k, with 111 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	105	$15,775,000	$150,238	$2,033	4.48%
30-36%	90	$11,160,000	$124,000	$1,813	4.45%
<20%	54	$7,620,000	$141,111	$2,095	4.26%
42%	21	$2,995,000	$142,619	$1,996	4.63%
38%	21	$3,975,000	$189,286	$3,152	4.77%
36%	19	$3,015,000	$158,684	$2,193	4.40%
39%	17	$3,865,000	$227,353	$2,718	34.06%
40%	16	$2,490,000	$155,625	$2,010	4.20%
47%	12	$2,230,000	$185,833	$3,352	4.35%
41%	12	$2,270,000	$189,167	$1,785	4.90%
37%	11	$3,585,000	$325,909	$4,374	4.68%
44%	11	$3,455,000	$314,091	$3,302	4.48%
49%	10	$4,830,000	$483,000	$6,425	4.55%
>60%	8	$1,090,000	$136,250	$1,467	5.03%
48%	8	$1,630,000	$203,750	$2,639	4.34%
45%	7	$1,945,000	$277,857	$3,398	4.37%
46%	7	$1,465,000	$209,286	$3,575	4.61%
43%	6	$1,030,000	$171,667	$2,822	4.08%
50-60%	6	$2,190,000	$365,000	$995	4.77%

Mid Penn Bank lent most frequently to those with DTI ratios of 20-30%, with 105 originations. The next most common DTI ratio? 30-36%, with 90 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Not applicable	80	$60,550,000	$756,875	$0	4.96%
White	328	$54,600,000	$166,463	$2,088	4.49%
Asian	85	$14,785,000	$173,941	$3,300	4.48%
Not provided	59	$12,355,000	$209,407	$1,666	4.85%
Black	5	$2,115,000	$423,000	$8,995	4.93%
American Indian	2	$200,000	$100,000	$1,462	254.63%

Approval Rates

Total approvals of all applications
84.84%

Mid Penn Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
85.33%

Mid Penn Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	559	$144,605,000	$258,685

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Manufactured	7	$5,085,000	$726,429
Multifamily:Site-Built	30	$48,930,000	$1,631,000
Single Family (1-4 Units):Manufactured	6	$360,000	$60,000
Single Family (1-4 Units):Site-Built	516	$90,230,000	$174,864

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	64	$5,240,000	$81,875	$442	4.44%
40-60%	77	$13,665,000	$177,468	$2,036	4.56%
60-80%	207	$82,005,000	$396,159	$3,450	4.72%
80-100%	150	$40,890,000	$272,600	$3,069	7.97%
Over 100%	2	$340,000	$170,000	$2,368	5.75%
Under 20%	59	$2,465,000	$41,780	$278	4.27%

Complaints

Bank Name	Product	Issue	2018 CPFB Complaints	% of Total Issues
M&T BANK CORPORATION	Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	3	1.4%
M&T BANK CORPORATION	Conventional home mortgage	Closing on a mortgage	4	1.8%
M&T BANK CORPORATION	Conventional home mortgage	Incorrect information on your report	1	0.5%
M&T BANK CORPORATION	Conventional home mortgage	Problem with a credit reporting company's investigation into an existing problem	1	0.5%
M&T BANK CORPORATION	Conventional home mortgage	Struggling to pay mortgage	38	17.4%
M&T BANK CORPORATION	Conventional home mortgage	Trouble during payment process	43	19.6%
M&T BANK CORPORATION	FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	3	1.4%
M&T BANK CORPORATION	FHA mortgage	Incorrect information on your report	2	0.9%
M&T BANK CORPORATION	FHA mortgage	Problem with a credit reporting company's investigation into an existing problem	1	0.5%
M&T BANK CORPORATION	FHA mortgage	Struggling to pay mortgage	24	11.0%
M&T BANK CORPORATION	FHA mortgage	Trouble during payment process	23	10.5%
M&T BANK CORPORATION	FHA mortgage	Unable to get your credit report or credit score	1	0.5%
M&T BANK CORPORATION	Home equity loan or line of credit (HELOC)	Closing on a mortgage	1	0.5%
M&T BANK CORPORATION	Home equity loan or line of credit (HELOC)	Struggling to pay mortgage	2	0.9%
M&T BANK CORPORATION	Home equity loan or line of credit (HELOC)	Trouble during payment process	7	3.2%
M&T BANK CORPORATION	Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	2	0.9%
M&T BANK CORPORATION	Other type of mortgage	Closing on a mortgage	3	1.4%
M&T BANK CORPORATION	Other type of mortgage	Incorrect information on your report	1	0.5%
M&T BANK CORPORATION	Other type of mortgage	Struggling to pay mortgage	14	6.4%
M&T BANK CORPORATION	Other type of mortgage	Trouble during payment process	29	13.2%
M&T BANK CORPORATION	Reverse mortgage	Closing on a mortgage	1	0.5%
M&T BANK CORPORATION	VA mortgage	Closing on a mortgage	1	0.5%
M&T BANK CORPORATION	VA mortgage	Incorrect information on your report	1	0.5%
M&T BANK CORPORATION	VA mortgage	Problem with a credit reporting company's investigation into an existing problem	1	0.5%
M&T BANK CORPORATION	VA mortgage	Struggling to pay mortgage	6	2.7%
M&T BANK CORPORATION	VA mortgage	Trouble during payment process	6	2.7%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Mid Penn Bank	1001 Peters Mountain Road Dauphin, PA 17018	Full Service B&M	$29,406
Mid Penn Bank	1021 Centre Turnpike Orwigsburg, PA 17961	Full Service B&M	$2,891
Mid Penn Bank	1100 Spring Garden Drive Middletown, PA 17057	Full Service B&M	$62,559
Mid Penn Bank	125 South Arch Street Connellsville, PA 15425	Full Service B&M	$73,069
Mid Penn Bank	150 Pittsburgh Street Scottdale, PA 15683	Full Service B&M	$77,336
Mid Penn Bank	17 North 2nd Street Harrisburg, PA 17101	Full Service Retail	$23,882
Mid Penn Bank	1817 Oregon Pike Lancaster, PA 17601	Full Service B&M	$3,902
Mid Penn Bank	192 Main Street Vanderbilt, PA 15486	Full Service B&M	$13,905
Mid Penn Bank	205 School Road Dalmatia, PA 17017	Full Service B&M	$27,968
Mid Penn Bank	2148 Market Street Camp Hill, PA 17011	Full Service B&M	$82,309
Mid Penn Bank	2305 South Market Street Elizabethtown, PA 17022	Full Service B&M	$29,367
Mid Penn Bank	2615 N Front Street Harrisburg, PA 17110	Full Service B&M	$46,224
Mid Penn Bank	29 Main Street Tremont, PA 17981	Full Service B&M	$23,481
Mid Penn Bank	349 Union Street Millersburg, PA 17061	Full Service B&M	$189,118
Mid Penn Bank	3663 Peters Mountain Road Halifax, PA 17032	Full Service B&M	$8,157
Mid Penn Bank	437 Pa 901 Minersville, PA 17954	Full Service B&M	$62,368
Mid Penn Bank	4509 Derry Street Harrisburg, PA 17111	Full Service B&M	$49,022
Mid Penn Bank	4622 Carlisle Pike Mechanicsburg, PA 17050	Full Service B&M	$48,843
Mid Penn Bank	4642 State Route 209 Elizabethville, PA 17023	Full Service B&M	$57,384
Mid Penn Bank	504 South Lehigh Avenue Frackville, PA 17931	Full Service B&M	$38,700
Mid Penn Bank	51 South Front Street Steelton, PA 17113	Full Service B&M	$29,411
Mid Penn Bank	5288 Simpson Ferry Road Mechanicsburg, PA 17050	Full Service B&M	$20,969
Mid Penn Bank	545 E Grand Ave Tower City, PA 17980	Full Service B&M	$35,301
Mid Penn Bank	550 Main Street Lykens, PA 17048	Full Service B&M	$30,328
Mid Penn Bank	5500 Allentown Boulevard Harrisburg, PA 17112	Full Service B&M	$104,554
Mid Penn Bank	632 West Main Street Mount Pleasant, PA 15666	Full Service B&M	$4,024
Mid Penn Bank	641 State Route 93 Conyngham, PA 18219	Full Service B&M	$27,435
Mid Penn Bank	689 West Main Street New Holland, PA 17557	Full Service B&M	$5,390
Mid Penn Bank	Route 819 South Mount Pleasant, PA 15666	Full Service B&M	$31,691

For 2018, Mid Penn Bank had 29 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$68,654
Net interest income	$56,874
Total noninterest income	$7,250
Gross Fiduciary activities income	$846
Service charges on deposit accounts	$1,103
Trading account gains and fees	$0
Additional Noninterest Income	$5,301
Pre-tax net operating income	$18,271
Securities gains (or losses, -)	$122
Income before extraordinary items	$15,044
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$15,044
Minority interest net income	$0
Net income	$15,044
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$14,943

Mid Penn Bank's gross interest income from loans was $68,654,000.
Mid Penn Bank's net interest income from loans was $56,874,000.
Mid Penn Bank's fee based income from loans was $1,103,000.
Mid Penn Bank's net income from loans was $15,044,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$11,780
Provision for credit losses	$500
Total noninterest expense	$45,353
Salaries and employee benefits	$23,057
Premises and equipment expense	$6,194
Additional noninterest expense	$16,102
Applicable income taxes	$3,349
Net charge-offs	$-291
Cash dividends	$10,837

Mid Penn Bank's interest expense for loans was $11,780,000.
Mid Penn Bank's payroll and benefits expense were $23,057,000.
Mid Penn Bank's property, plant and equipment expenses $6,194,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	1.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,727,631
Deposits held in domestic offices	$1,727,631
Deposits by Individuals, partnerships, and corporations	$1,435,568
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$288,338
Deposits by Commercial banks and other depository institutions in U.S.	$3,725
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$120,105
Demand deposits	$120,105
Nontransaction accounts	$1,607,526
Money market deposit accounts (MMDAs)	$375,648
Other savings deposits (excluding MMDAs)	$745,550
Total time deposits	$486,330
Total time and savings deposits	$1,607,526
Noninterest-bearing deposits	$271,475
Interest-bearing deposits	$1,456,156
Retail deposits	$1,504,932
IRAs and Keogh plan accounts	$55,955
Brokered deposits	$138,571
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$2,077,686
Cash & Balances due from depository institutions	$40,065
Interest-bearing balances	$15,465
Total securities	$280,786
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,617,371
Loan and leases loss allowance	$8,397
Trading account assets	$0
Bank premises and fixed assets	$25,303
Other real estate owned	$1,017
Goodwill and other intangibles	$70,027
All other assets	$43,117

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$2,077,686
Total Liabilities	$1,838,363
Total deposits	$1,727,631
Interest-bearing deposits	$1,456,156
Deposits held in domestic offices	$1,727,631
% insured (estimated)	$67
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$91,124
Subordinated debt	$9,726
All other liabilities	$9,882

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,617,371
Loan and leases loss allowance	$8,397
Total loans and leases (domestic)	$1,625,768
All real estate loans	$1,328,883
Real estate loans in domestic offices	$1,328,883
Construction and development loans	$149,328
Residential 1-4 family construction	$30,489
Other construction, all land development and other land	$118,839
Loans secured by nonfarm nonresidential properties	$625,384
Nonfarm nonresidential secured by owner-occupied properties	$292,212
Commercial real estate & other non-farm, non-residential	$333,172
Multifamily residential real estate	$63,423
1-4 family residential loans	$446,522
Farmland loans	$44,226
Loans held in foreign offices	$0
Farm loans	$2,074
Commercial and industrial loans	$233,438
To non-U.S. addressees	$0
Loans to individuals	$7,620
Credit card loans	$169
Related Plans	$4,956
Consumer Auto Loans	$714
Other loans to individuals	$1,781
All other loans & leases	$53,754
Loans to foreign governments and official institutions	$0
Other loans	$2,695
Loans to depository institutions and acceptances of other banks	$11,000
Loans not secured by real estate	$1,605
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$517
Non 1-4 family restructured loans & leases	$0
Total loans and leases (foreign)	$0

Mid Penn Bank had $1,617,371,000 of loans outstanding in 2018. $1,328,883,000 of loans were in real estate loans. $149,328,000 of loans were in development loans. $63,423,000 of loans were in multifamily mortgage loans. $446,522,000 of loans were in 1-4 family mortgage loans. $2,074,000 of loans were in farm loans. $169,000 of loans were in credit card loans. $714,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	1,029	$234,415	$227,809
Nonfarm, nonresidential loans - <$100k	255	$13,588	$53,286
Nonfarm, nonresidential loans - $100-250k	306	$37,300	$121,895
Nonfarm, nonresidential loans - $250k-1MM	468	$183,527	$392,152
Commercial & Industrial, US addressed loans - <$1MM	1,205	$108,870	$90,349
Commercial & Industrial, US addressed loans - <$100k	644	$15,287	$23,738
Commercial & Industrial, US addressed loans - $100-250k	273	$24,432	$89,495
Commercial & Industrial, US addressed loans - $250k-1MM	288	$69,151	$240,108
Farmland loans - <$1MM	221	$25,710	$116,335
Farmland loans - <$100k	113	$4,179	$36,982
Farmland loans - $100-250k	59	$7,689	$130,322
Farmland loans - $250k-1MM	49	$13,842	$282,490
Agriculture operations loans - <$1MM	54	$1,908	$35,333
Agriculture operations loans - <$100k	53	$1,862	$35,132
Agriculture operations loans - $100-250k	1	$46	$46,000