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Investor Relations14 Oct 2025
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Mid Penn Bancorp (MPB) investor relations material
Mid Penn Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Completed the William Penn acquisition, adding $757.3M in assets and $431.4M in loans, and Charis Insurance Group for $4M, expanding presence in PA and NJ.
Net income for Q2 2025 was $4.8M ($0.22 per share), down from $11.8M ($0.71 per share) in Q2 2024, due to merger-related and non-recurring expenses; adjusted net income was $15.1M ($0.70 per share), exceeding estimates.
Total assets grew to $6.4B, up 16.2% from year-end 2024, driven by loan and deposit growth from acquisitions.
Declared 59th consecutive quarterly dividend of $0.20 per share, payable August 25, 2025.
Financial highlights
Net interest income for Q2 2025 was $48.2M, up from $38.8M in Q2 2024; YTD net interest income was $90.7M, up from $75.2M YTD 2024.
Net interest margin improved to 3.44% in Q2 2025 from 3.12% in Q2 2024; YTD margin was 3.41% vs. 3.04% prior year.
Noninterest income for Q2 2025 was $6.1M, up 15.3% year-over-year and 17.3% sequentially, driven by wealth management and insurance income.
Noninterest expense rose to $47.8M in Q2 2025 (up 69.4% YoY), with $11.0M in merger and acquisition costs.
Total loans at June 30, 2025 were $4.8B, up 8.8% from year-end 2024; total deposits were $5.4B, up 16.2%.
Outlook and guidance
Management expects to reach the lower end of original loan growth targets and the midpoint of deposit growth targets by year-end, with focus on integration benefits from recent acquisitions.
Liquidity remains strong, with $1.6B in borrowing capacity, representing 99.4% of uninsured and uncollateralized deposits.
No material changes to critical accounting estimates or risk management practices anticipated.
Cautious optimism for the remainder of 2025, citing improved loan pipelines.
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Next Mid Penn Bancorp earnings date
Q3 202522 Oct, 2025
Next Mid Penn Bancorp earnings date
Q3 202522 Oct, 2025
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Frequently asked questions
Mid Penn Bancorp, Inc. is a financial holding company that operates primarily through its subsidiary, Mid Penn Bank. The company provides a range of banking and financial services to individuals, businesses, and municipalities. These services include commercial and retail banking, mortgage and home equity lending, wealth management, and trust services. Mid Penn Bank serves various sectors, including agriculture, manufacturing, real estate, and healthcare, with a focus on supporting small to medium-sized businesses within its market areas. The company is headquartered in Millersburg, Pennsylvania, and its shares are listed on the NASDAQ.
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