TellerScore

Meridian Bank (FDIC certificate #57777) is based in Wayne, Pennsylvania. Its Q2 2026 call report shows $2.6B in total assets and $2.2B in deposits and 7 offices across 2 states.

Meridian Bank has a TellerScore of 34 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 108th. Earnings contributes the most (50/100, 0.76%); loan quality contributes the least (0/100, 3.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.72%
Loan quality0/100
Noncurrent loans ÷ total loans: 3.68%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 100.5% · 30.7% uninsured
Problem-loan coverage37/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 31.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (41 → 34), mostly because the loan quality component weakened by 22 points.

TellerScore
343944Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202444
Q3 202442
Q4 202442
Q1 202537
Q2 202541
Q3 202540
Q4 202542
Q1 202636
Q2 202634
Tier 1 leverage ratio
5.00%7.36%9.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.33%
Q3 20249.32%
Q4 20249.21%
Q1 20259.30%
Q2 20259.32%
Q3 20259.41%
Q4 20259.50%
Q1 20269.58%
Q2 20269.72%
Noncurrent loans
1.84%2.76%3.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.84%
Q3 20242.20%
Q4 20242.19%
Q1 20252.49%
Q2 20252.35%
Q3 20252.53%
Q4 20252.50%
Q1 20262.64%
Q2 20263.68%
Return on assets
0.46%0.75%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.75%
Q4 20240.82%
Q1 20250.55%
Q2 20250.82%
Q3 20250.96%
Q4 20251.05%
Q1 20260.46%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202634$2.6B9.72%3.68%0.76%100.5%
Q1 202636$2.6B9.58%2.64%0.46%101.2%
Q4 202542$2.6B9.50%2.50%1.05%100.9%
Q3 202540$2.5B9.41%2.53%0.96%101.5%
Q2 202541$2.5B9.32%2.35%0.82%100.8%
Q1 202537$2.5B9.30%2.49%0.55%97.5%
Q4 202442$2.4B9.21%2.19%0.82%101.8%
Q3 202442$2.4B9.32%2.20%0.75%102.7%
Q2 202444$2.3B9.33%1.84%0.66%105.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.72%
30th
Total risk-based capital0.00%
13th
Problem loans3.68%
2nd
Net charge-offs0.93%
4th
Return on assets0.76%
17th
Net interest margin3.92%
64th
Efficiency ratio64.4%
33rd
Loans to deposits100.5%
13th
Uninsured deposits30.7%
50th
Loan-loss reserves0.96%
26th
Texas ratio31.6%
1st

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Somerset Trust CompanyBank Somerset, PA55 out of 100, Moderate$2.5B9.1%1.49%vs
The Ephrata National BankBank Ephrata, PA67 out of 100, Moderate$2.4B9.6%0.54%vs
QNB BankBank Quakertown, PA63 out of 100, Moderate$2.4B9.8%0.61%vs
Farmers and Merchants Trust Company of ChambersburgBank Chambersburg, PA60 out of 100, Moderate$2.3B8.8%1.10%vs
Wayne BankBank Honesdale, PA53 out of 100, Below average$2.9B8.8%1.21%vs
Nextier Bank, National AssociationBank Kittanning, PA54 out of 100, Below average$2.9B9.6%1.49%vs

Deposit insurance

Is my money safe at Meridian Bank?

Yes. Meridian Bank is an FDIC-insured institution (FDIC certificate #57777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.7% of deposits ($674.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Meridian Bank lists 7 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Meridian Bank reported 3,317 home-loan applications under HMDA (LEI 635400IW1QMK3FNFF894): 2,560 originated ($928,860,000 total), 110 denied, and 625 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Meridian Bank
Type
State-chartered bank
FDIC certificate #
57777
RSSD ID
3271799
Primary regulator
FDIC
Holding company
Meridian Corp
Established
July 8, 2004
Headquarters
220 W. Lancaster Avenue, Wayne, PA 19087
Employees
327

Quick answers

Meridian Bank: common questions

Is Meridian Bank FDIC insured?

Yes. Meridian Bank is an FDIC-insured institution (FDIC certificate #57777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Meridian Bank's TellerScore?

34 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Meridian Bank ever failed?

There is no failure record for FDIC certificate #57777 in the FDIC failed bank list.

How many branches does Meridian Bank have?

7 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Wayne

InstitutionScoreAssetsCapitalProblem loansCompare
B. Braun Federal Credit UnionCredit union Allentown, PA100 out of 100, Very strong$1.9M25.1%0.00%vs
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE94 out of 100, Very strong$57.2M97.8%0.00%vs
The National Bank of MalvernBank Malvern, PA93 out of 100, Very strong$224.0M16.5%0.10%vs