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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • 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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Harrisburg, York, Pittsburgh, and Pottsville among others. We have data for 24 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Mid Penn Bank has an above 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% 4/21/24
    30 Year Conventional Purchase 6.63% 4/21/24
    30 Year Conventional Refi 6.62% 4/21/24
    30 Year Cash-out Refi 6.62% 4/21/24
    30 Year FHA Purchase 7.72% 4/21/24
    30 Year VA Purchase 6.28% 4/21/24
    30 Year USDA Purchase 6.81% 4/21/24
    15 Year Conventional Purchase 6.18% 4/21/24
    15 Year Conventional Refi 6.22% 4/21/24
    15 Year Cash-out Refi 6.22% 4/21/24
    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






    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

    773

    Origination Dollar Volume (All Markets)

    $184,335,000

    Employee count

    437 Show all (5) 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
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 279 $86,125,000 $308,692 $5,318 4.12%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 285 $51,075,000 $179,211 $3,581 4.31%
    YORK-HANOVER, PA (FHA|USDA|VA) 30 $8,340,000 $278,000 $4,695 4.33%
    PITTSBURGH, PA (FHA|USDA|VA) 34 $5,870,000 $172,647 $2,654 4.87%
    Pottsville, PA (FHA|USDA|VA) 50 $5,140,000 $102,800 $2,846 4.60%
    LANCASTER, PA (FHA|USDA|VA) 24 $4,400,000 $183,333 $5,063 4.38%
    READING, PA (FHA|USDA|VA) 11 $3,245,000 $295,000 $7,742 4.24%
    SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 15 $3,065,000 $204,333 $3,825 4.84%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 6 $2,840,000 $473,333 $0 5.22%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $2,755,000 $393,571 $4,278 4.58%
    LEBANON, PA (FHA|USDA|VA) 8 $2,220,000 $277,500 $6,088 3.98%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $2,045,000 $2,045,000 $0 5.50%
    SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,900,000 $475,000 $3,754 3.78%
    OCEAN CITY, NJ (FHA|USDA|VA) 4 $1,670,000 $417,500 $6,472 4.47%
    GETTYSBURG, PA (FHA|USDA|VA) 2 $970,000 $485,000 $4,174 4.38%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $605,000 $605,000 $7,338 4.99%
    ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $550,000 $275,000 $3,938 4.25%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $415,000 $415,000 $4,226 3.88%
    Sunbury, PA (FHA|USDA|VA) 3 $315,000 $105,000 $3,712 4.93%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $310,000 $155,000 $4,879 5.25%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $175,000 $175,000 $1,690 2.88%
    Lewistown, PA (FHA|USDA|VA) 1 $125,000 $125,000 $3,156 4.00%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,376 4.38%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $55,000 $55,000 $225 5.24%
    Mid Penn Bank's top markets include Philadelphia, Harrisburg, York, Pittsburgh, and Pottsville among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Delaware (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (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.

    POINT BREEZE
    Similarity Rank: 27
    UTILITIES EMPLOYEES CREDIT UNION
    Similarity Rank: 42
    TRI BORO
    Similarity Rank: 70
    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
    Similarity Rank: 122
    Prudential Bank
    Similarity Rank: 162
    American Financial Mortgage Corporation
    Similarity Rank: 172
    CREDIT UNION OF NEW JERSEY
    Similarity Rank: 180
    LEBANON
    Similarity Rank: 182
    The Honesdale National Bank
    Similarity Rank: 192
    First Federal Savings and Loan Association of Greene Co
    Similarity Rank: 210

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 752 $179,400,000 $238,564 $4,361 4.33%
    FHA 16 $3,510,000 $219,375 $8,019 3.66%
    VA 3 $845,000 $281,667 $10,294 3.42%
    USDA 2 $580,000 $290,000 $8,743 4.00%

    For 2019, Mid Penn Bank's most frequently originated type of loan was Conventional, with 752 originations. Their 2nd most popular type was FHA, with 16 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 523 $130,885,000 $250,258 $4,703 4.26%
    Refi 149 $41,005,000 $275,201 $3,797 4.27%
    Home Improvement 45 $2,165,000 $48,111 $2,427 4.97%
    Cash Out Refi 39 $9,235,000 $236,795 $4,177 4.03%
    Other 17 $1,045,000 $61,471 $1,477 4.81%

    For 2019, Mid Penn Bank's most frequently cited loan purpose was Home Purchase, with 523 originations. The 2nd most popular reason was Refi, with 149 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 495 $120,805,000 $244,051 $4,621 4.10%
    20 Year 79 $21,505,000 $272,215 $3,687 5.03%
    15 Year 72 $15,700,000 $218,056 $3,643 3.82%
    10 Year 43 $3,825,000 $88,953 $2,959 5.33%
    Other 36 $10,640,000 $295,556 $3,496 4.97%
    5 Year 30 $4,700,000 $156,667 $0 4.26%
    1 Year 12 $2,690,000 $224,167 $7,438 5.57%
    30+ year 3 $4,435,000 $1,478,333 $12,132 4.63%
    3 Year 3 $35,000 $11,667 $0 3.48%

    For 2019, Mid Penn Bank's most frequently cited loan duration was 30 Year, with 495 originations. The 2nd most popular length was 20 Year, with 79 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 290 $78,100,000 $269,310
    $<1k 287 $63,945,000 $222,805
    $2k-3k 6 $1,850,000 $308,333
    $5k+ 3 $885,000 $295,000
    $3k-4k 2 $850,000 $425,000

    Mid Penn Bank's average total fees were $4,621, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 290 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 355 $85,415,000 $240,606
    4-5% 267 $64,275,000 $240,730
    5-6% 119 $27,185,000 $228,445
    2.5-3% 18 $3,700,000 $205,556
    6-7% 12 $3,720,000 $310,000
    <2.5% 1 $15,000 $15,000
    7-8% 1 $25,000 $25,000

    During 2019, Mid Penn Bank's average interest rate for loans was 4.10%, while their most frequently originated rate bucket for loans was 3-4%, with 355 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 281 $77,765,000 $276,744 $4,887 4.09%
    $100k-200k 263 $40,115,000 $152,529 $3,736 4.17%
    $100,000 or less 150 $7,760,000 $51,733 $2,632 4.91%
    $400k-600k 51 $23,835,000 $467,353 $6,275 4.19%
    $600k-1MM 16 $12,060,000 $753,750 $8,874 4.57%
    $1MM+ 12 $22,800,000 $1,900,000 $9,919 5.04%

    2019 saw Mid Penn Bank place emphasis on $200k-400k loans with 281 originations, totaling $77,765,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 164 $27,350,000 $166,768 $4,186 4.16%
    $100k-150k 141 $36,025,000 $255,496 $4,854 4.21%
    $50k or less 132 $16,110,000 $122,045 $3,608 4.18%
    $75k-100k 111 $24,295,000 $218,874 $4,760 4.05%
    $150k-250k 84 $25,370,000 $302,024 $5,122 4.27%
    $250k+ 38 $20,670,000 $543,947 $6,017 4.38%

    Mid Penn Bank lent most frequently to those with incomes in the $50k-75k range, with 164 originations. The second most popular income band? $100k-150k, with 141 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 150 $37,000,000 $246,667 $4,374 4.13%
    30-36% 150 $32,390,000 $215,933 $4,366 4.10%
    <20% 45 $10,265,000 $228,111 $3,893 4.03%
    38% 35 $7,005,000 $200,143 $4,286 4.14%
    49% 28 $6,500,000 $232,143 $4,821 4.02%
    39% 27 $4,375,000 $162,037 $5,300 4.33%
    42% 26 $5,870,000 $225,769 $5,011 4.24%
    40% 24 $4,740,000 $197,500 $3,902 4.21%
    43% 22 $5,290,000 $240,455 $4,390 4.03%
    41% 21 $4,995,000 $237,857 $5,662 4.23%
    44% 20 $4,450,000 $222,500 $4,067 4.18%
    37% 19 $3,525,000 $185,526 $4,442 4.00%
    48% 17 $4,145,000 $243,824 $4,811 4.12%
    46% 15 $3,875,000 $258,333 $5,343 4.22%
    47% 15 $3,275,000 $218,333 $3,747 4.23%
    36% 15 $3,235,000 $215,667 $4,376 4.22%
    45% 13 $3,115,000 $239,615 $4,584 3.98%
    >60% 9 $2,875,000 $319,444 $7,084 4.37%
    50-60% 6 $980,000 $163,333 $6,243 4.18%

    Mid Penn Bank lent most frequently to those with DTI ratios of 20-30%, with 150 originations. The next most common DTI ratio? 30-36%, with 150 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 476 $107,050,000 $224,895 $4,608 4.23%
    Not applicable 79 $30,615,000 $387,532 $0 5.31%
    Asian 115 $24,225,000 $210,652 $3,872 3.91%
    Not provided 94 $20,660,000 $219,787 $4,950 4.33%
    Black 9 $1,785,000 $198,333 $4,634 4.24%

    Approval Rates

    Total approvals of all applications
    90.44%

    Mid Penn Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.62%

    Mid Penn Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 773 $184,335,000 $238,467

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $3,110,000 $1,555,000
    Multifamily:Site-Built 26 $20,740,000 $797,692
    Single Family (1-4 Units):Manufactured 4 $170,000 $42,500
    Single Family (1-4 Units):Site-Built 741 $160,315,000 $216,350

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 52 $5,370,000 $103,269 $2,743 4.68%
    40-60% 49 $10,135,000 $206,837 $3,976 4.20%
    60-80% 301 $83,805,000 $278,422 $4,126 4.28%
    80-100% 336 $82,130,000 $244,435 $4,992 4.25%
    Over 100% 2 $860,000 $430,000 $4,500 4.38%
    Under 20% 32 $1,910,000 $59,688 $0 4.64%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    M&T BANK CORPORATION Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 7 3.0%
    M&T BANK CORPORATION Conventional home mortgage Closing on a mortgage 4 1.7%
    M&T BANK CORPORATION Conventional home mortgage Incorrect information on your report 1 0.4%
    M&T BANK CORPORATION Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    M&T BANK CORPORATION Conventional home mortgage Struggling to pay mortgage 23 9.9%
    M&T BANK CORPORATION Conventional home mortgage Trouble during payment process 61 26.3%
    M&T BANK CORPORATION FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    M&T BANK CORPORATION FHA mortgage Closing on a mortgage 4 1.7%
    M&T BANK CORPORATION FHA mortgage Incorrect information on your report 1 0.4%
    M&T BANK CORPORATION FHA mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    M&T BANK CORPORATION FHA mortgage Struggling to pay mortgage 19 8.2%
    M&T BANK CORPORATION FHA mortgage Trouble during payment process 46 19.8%
    M&T BANK CORPORATION FHA mortgage Unable to get your credit report or credit score 1 0.4%
    M&T BANK CORPORATION Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 0.9%
    M&T BANK CORPORATION Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 0.4%
    M&T BANK CORPORATION Home equity loan or line of credit (HELOC) Trouble during payment process 7 3.0%
    M&T BANK CORPORATION Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 0.4%
    M&T BANK CORPORATION Other type of mortgage Closing on a mortgage 2 0.9%
    M&T BANK CORPORATION Other type of mortgage Incorrect information on your report 1 0.4%
    M&T BANK CORPORATION Other type of mortgage Struggling to pay mortgage 9 3.9%
    M&T BANK CORPORATION Other type of mortgage Trouble during payment process 16 6.9%
    M&T BANK CORPORATION VA mortgage Closing on a mortgage 1 0.4%
    M&T BANK CORPORATION VA mortgage Struggling to pay mortgage 5 2.2%
    M&T BANK CORPORATION VA mortgage Trouble during payment process 16 6.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Mid Penn Bank 29 Main Street Tremont, PA 17981 Full Service B&M $28,752
    Mid Penn Bank 10 Sentry Parkway, Suite 100 Blue Bell, PA 19422 Full Service B&M $31,235
    Mid Penn Bank 1001 Peters Mountain Road Dauphin, PA 17018 Full Service B&M $32,374
    Mid Penn Bank 1021 Centre Turnpike Orwigsburg, PA 17961 Full Service B&M $7,436
    Mid Penn Bank 104 Pheasant Run Newtown, PA 18940 Full Service B&M $56,105
    Mid Penn Bank 1100 Spring Garden Drive Middletown, PA 17057 Full Service B&M $62,857
    Mid Penn Bank 125 South Arch Street Connellsville, PA 15425 Full Service B&M $72,499
    Mid Penn Bank 545 E Grand Ave Tower City, PA 17980 Full Service B&M $34,989
    Mid Penn Bank 1310 Broadcasting Road Wyomissing, PA 19610 Full Service B&M $77,370
    Mid Penn Bank 150 Pittsburgh Street Scottdale, PA 15683 Full Service B&M $76,853
    Mid Penn Bank 17 North 2nd Street Harrisburg, PA 17101 Full Service Retail $29,566
    Mid Penn Bank 1817 Oregon Pike Lancaster, PA 17601 Full Service B&M $5,455
    Mid Penn Bank 192 Main Street Vanderbilt, PA 15486 Full Service B&M $14,779
    Mid Penn Bank 193 Market Street Pillow, PA 17080 Full Service B&M $2,294
    Mid Penn Bank 2 West Liberty Boulevard Malvern, PA 19355 Full Service B&M $49,465
    Mid Penn Bank 205 School Road Dalmatia, PA 17017 Full Service B&M $29,451
    Mid Penn Bank 2148 Market Street Camp Hill, PA 17011 Full Service B&M $88,754
    Mid Penn Bank 2305 South Market Street Elizabethtown, PA 17022 Full Service B&M $33,013
    Mid Penn Bank 237 E. Gay Street West Chester, PA 19380 Full Service B&M $30,163
    Mid Penn Bank 2615 N Front Street Harrisburg, PA 17110 Full Service B&M $55,570
    Mid Penn Bank 3101 Shillington Road Sinking Spring, PA 19608 Full Service B&M $52,174
    Mid Penn Bank 349 Union Street Millersburg, PA 17061 Full Service B&M $272,534
    Mid Penn Bank 3663 Peters Mountain Road Halifax, PA 17032 Full Service B&M $14,301
    Mid Penn Bank 4200 N. 5th Street Highway Temple, PA 19560 Full Service B&M $29,390
    Mid Penn Bank 437 Pa 901 Minersville, PA 17954 Full Service B&M $67,416
    Mid Penn Bank 4509 Derry Street Harrisburg, PA 17111 Full Service B&M $56,496
    Mid Penn Bank 4541 Perkiomen Avenue Reading, PA 19606 Full Service B&M $24,253
    Mid Penn Bank 4622 Carlisle Pike Mechanicsburg, PA 17050 Full Service B&M $53,387
    Mid Penn Bank 4642 State Route 209 Elizabethville, PA 17023 Full Service B&M $59,317
    Mid Penn Bank 504 South Lehigh Avenue Frackville, PA 17931 Full Service B&M $41,944
    Mid Penn Bank 5049 Jonestown Road Harrisburg, PA 17112 Full Service B&M $121,140
    Mid Penn Bank 51 South Front Street Steelton, PA 17113 Full Service B&M $30,307
    Mid Penn Bank 5288 Simpson Ferry Road Mechanicsburg, PA 17050 Full Service B&M $30,858
    Mid Penn Bank 550 Main Street Lykens, PA 17048 Full Service B&M $32,082
    Mid Penn Bank 632 West Main Street Mount Pleasant, PA 15666 Full Service B&M $6,880
    Mid Penn Bank 641 State Route 93 Conyngham, PA 18219 Full Service B&M $28,039
    Mid Penn Bank 689 West Main Street New Holland, PA 17557 Full Service B&M $9,013
    Mid Penn Bank Route 819 South Mount Pleasant, PA 15666 Full Service B&M $30,602

    For 2019, Mid Penn Bank had 38 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $95,312
    Net interest income $71,099
    Total noninterest income $10,596
    Gross Fiduciary activities income $934
    Service charges on deposit accounts $1,115
    Trading account gains and fees $0
    Additional Noninterest Income $8,547
    Pre-tax net operating income $22,027
    Securities gains (or losses, -) $1,894
    Income before extraordinary items $19,675
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,675
    Minority interest net income $0
    Net income $19,675
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $18,121

    Mid Penn Bank's gross interest income from loans was $95,312,000.
    Mid Penn Bank's net interest income from loans was $71,099,000.
    Mid Penn Bank's fee based income from loans was $1,115,000.
    Mid Penn Bank's net income from loans was $19,675,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $24,213
    Provision for credit losses $1,390
    Total noninterest expense $58,278
    Salaries and employee benefits $31,437
    Premises and equipment expense $7,982
    Additional noninterest expense $18,859
    Applicable income taxes $4,246
    Net charge-offs $272
    Cash dividends $7,189

    Mid Penn Bank's interest expense for loans was $24,213,000.
    Mid Penn Bank's payroll and benefits expense were $31,437,000.
    Mid Penn Bank's property, plant and equipment expenses $7,982,000.

    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 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    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 $1,912,844
    Deposits held in domestic offices $1,912,844
    Deposits by Individuals, partnerships, and corporations $1,561,954
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $348,970
    Deposits by Commercial banks and other depository institutions in U.S. $1,920
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $153,018
    Demand deposits $153,018
    Nontransaction accounts $1,759,826
    Money market deposit accounts (MMDAs) $488,748
    Other savings deposits (excluding MMDAs) $793,656
    Total time deposits $477,422
    Total time and savings deposits $1,759,826
    Noninterest-bearing deposits $310,731
    Interest-bearing deposits $1,602,113
    Retail deposits $1,725,588
    IRAs and Keogh plan accounts $56,108
    Brokered deposits $93,983
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,230,818
    Cash & Balances due from depository institutions $139,030
    Interest-bearing balances $113,284
    Total securities $173,993
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,761,663
    Loan and leases loss allowance $9,515
    Trading account assets $0
    Bank premises and fixed assets $24,856
    Other real estate owned $196
    Goodwill and other intangibles $68,598
    All other assets $62,482

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,230,818
    Total Liabilities $1,975,989
    Total deposits $1,912,844
    Interest-bearing deposits $1,602,113
    Deposits held in domestic offices $1,912,844
    % insured (estimated) $61
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $45,447
    Subordinated debt $9,673
    All other liabilities $8,025

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,761,663
    Loan and leases loss allowance $9,515
    Total loans and leases (domestic) $1,771,178
    All real estate loans $1,424,244
    Real estate loans in domestic offices $1,424,244
    Construction and development loans $186,291
    Residential 1-4 family construction $37,821
    Other construction, all land development and other land $148,470
    Loans secured by nonfarm nonresidential properties $671,954
    Nonfarm nonresidential secured by owner-occupied properties $318,053
    Commercial real estate & other non-farm, non-residential $353,901
    Multifamily residential real estate $70,927
    1-4 family residential loans $438,318
    Farmland loans $56,754
    Loans held in foreign offices $0
    Farm loans $3,194
    Commercial and industrial loans $272,674
    To non-U.S. addressees $0
    Loans to individuals $5,671
    Credit card loans $159
    Related Plans $2,785
    Consumer Auto Loans $306
    Other loans to individuals $2,421
    All other loans & leases $65,395
    Loans to foreign governments and official institutions $0
    Other loans $2,115
    Loans to depository institutions and acceptances of other banks $5,500
    Loans not secured by real estate $1,420
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $490
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Mid Penn Bank had $1,761,663,000 of loans outstanding in 2019. $1,424,244,000 of loans were in real estate loans. $186,291,000 of loans were in development loans. $70,927,000 of loans were in multifamily mortgage loans. $438,318,000 of loans were in 1-4 family mortgage loans. $3,194,000 of loans were in farm loans. $159,000 of loans were in credit card loans. $306,000 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 1,058 $242,644 $229,342
    Nonfarm, nonresidential loans - <$100k 256 $15,203 $59,387
    Nonfarm, nonresidential loans - $100-250k 324 $39,136 $120,790
    Nonfarm, nonresidential loans - $250k-1MM 478 $188,305 $393,944
    Commercial & Industrial, US addressed loans - <$1MM 1,289 $117,171 $90,901
    Commercial & Industrial, US addressed loans - <$100k 682 $15,946 $23,381
    Commercial & Industrial, US addressed loans - $100-250k 298 $24,479 $82,144
    Commercial & Industrial, US addressed loans - $250k-1MM 309 $76,746 $248,369
    Farmland loans - <$1MM 278 $33,615 $120,917
    Farmland loans - <$100k 133 $4,442 $33,398
    Farmland loans - $100-250k 77 $10,357 $134,506
    Farmland loans - $250k-1MM 68 $18,816 $276,706
    Agriculture operations loans - <$1MM 83 $2,538 $30,578
    Agriculture operations loans - <$100k 80 $2,255 $28,188
    Agriculture operations loans - $100-250k 3 $283 $94,333