TellerScore

The Neffs National Bank is a national bank headquartered in Neffs, Pennsylvania, in business for about 103 years. At the end of Q2 2026 it reported $470.8M in total assets and $371.9M in deposits, with 3 offices.

The Neffs National Bank has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 8th. Capital cushion contributes the most (100/100, 16.82%); earnings contributes the least (41/100, 0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.82%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings41/100
Return on assets (annualized): 0.53%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 68.8% · 9.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.14%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 87).

TellerScore
868787Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202487
Q4 202487
Q1 202587
Q2 202587
Q3 202587
Q4 202587
Q1 202686
Q2 202687
Tier 1 leverage ratio
5.00%10.91%16.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.48%
Q3 202416.32%
Q4 202416.42%
Q1 202516.63%
Q2 202516.57%
Q3 202516.41%
Q4 202516.69%
Q1 202616.62%
Q2 202616.82%
Noncurrent loans
0.04%0.05%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.05%
Q4 20240.05%
Q1 20250.05%
Q2 20250.06%
Q3 20250.04%
Q4 20250.04%
Q1 20260.04%
Q2 20260.04%
Return on assets
0.41%0.51%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.47%
Q4 20240.51%
Q1 20250.59%
Q2 20250.61%
Q3 20250.60%
Q4 20250.62%
Q1 20260.50%
Q2 20260.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$470.8M16.82%0.04%0.53%68.8%
Q1 202686$466.8M16.62%0.04%0.50%69.0%
Q4 202587$470.4M16.69%0.04%0.62%70.0%
Q3 202587$468.5M16.41%0.04%0.60%69.3%
Q2 202587$467.5M16.57%0.06%0.61%68.4%
Q1 202587$463.7M16.63%0.05%0.59%67.4%
Q4 202487$457.1M16.42%0.05%0.51%64.0%
Q3 202487$462.4M16.32%0.05%0.47%63.5%
Q2 202486$456.7M16.48%0.05%0.41%63.0%

2,650 peers · $100 million – $1 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 ratio16.82%
93rd
Total risk-based capital0.00%
24th
Problem loans0.04%
80th
Net charge-offs0.00%
54th
Return on assets0.53%
13th
Net interest margin2.67%
5th
Efficiency ratio78.9%
15th
Loans to deposits68.8%
71st
Uninsured deposits9.5%
94th
Loan-loss reserves0.90%
17th
Texas ratio0.1%
85th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Community State Bank of OrbisoniaBank Orbisonia, PA66 out of 100, Moderate$473.5M10.0%0.49%vs
Elderton State BankBank Elderton, PA74 out of 100, Strong$465.2M12.1%0.76%vs
United Savings BankBank Philadelphia, PA89 out of 100, Very strong$460.6M17.4%0.00%vs
Hometown Bank of PennsylvaniaBank Bedford, PA59 out of 100, Moderate$453.9M8.3%1.07%vs
Ambler Savings BankBank Ambler, PA79 out of 100, Strong$502.3M14.3%0.31%vs
Hamlin Bank and Trust CompanyBank Smethport, PA89 out of 100, Very strong$503.4M20.0%0.96%vs

Deposit insurance

Is my money safe at The Neffs National Bank?

Yes. The Neffs National Bank is an FDIC-insured institution (FDIC certificate #7646). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.5% of deposits ($35.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.82%, well 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

3 locations

Branches

The Neffs National Bank lists 3 offices in 3 cities. Most locations:

  • Neffs, PA (1)
  • Palmerton, PA (1)
  • Walnutport, PA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Neffs National Bank reported 63 home-loan applications under HMDA (LEI 549300ZUTKMSWP8JCE68): 48 originated ($10,380,000 total), 13 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.3%, 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
The Neffs National Bank
Type
National bank
FDIC certificate #
7646
RSSD ID
144913
Primary regulator
OCC
Holding company
Neffs Bcorp Inc
Established
April 3, 1923
Headquarters
5629 Route 873, Neffs, PA 18065
Employees
58

Quick answers

The Neffs National Bank: common questions

Is The Neffs National Bank FDIC insured?

Yes. The Neffs National Bank is an FDIC-insured institution (FDIC certificate #7646). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Neffs National Bank's TellerScore?

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

Has The Neffs National Bank ever failed?

There is no failure record for FDIC certificate #7646 in the FDIC failed bank list.

How many branches does The Neffs National Bank have?

3 offices as of the latest FDIC data.

Nearby

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