MPBMEDIUM SIGNALFINANCIAL10-K

Mid Penn Bancorp shows solid growth across key metrics with substantially higher operating cash flow, expanded balance sheet, and improved credit provisioning.

The company demonstrates healthy organic growth with total assets expanding to $6.1B and deposits growing to $5.2B, while maintaining strong capital levels with stockholders' equity reaching $814.1M. The reduced provision for credit losses suggests improving asset quality, while the substantial increase in operating cash flow indicates stronger operational efficiency.

Comparing 2026-03-12 vs 2025-03-13View on EDGAR →
FINANCIAL ANALYSIS

Mid Penn delivered a solid financial performance with net income growing 13.8% to $56.2M and net interest income expanding 13% to $323.8M. The balance sheet expanded meaningfully with total assets reaching $6.1B (+12.1%) and deposits growing to $5.2B (+11.2%), while stockholders' equity strengthened to $814.1M (+24.3%). Operating cash flow generation improved substantially, and the company reduced its provision for credit losses by 29.9%, signaling better asset quality and operational momentum.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+55.7%
$51.4M$80.0M

Operating cash flow surged 55.7% — exceptional cash generation, highest quality earnings signal.

Cash & Equivalents
Balance Sheet
+34.4%
$9.9M$13.3M

Cash position surged 34.4% — strong cash generation or capital raise providing significant financial cushion.

Provision for Credit Losses
P&L
-29.9%
$4.2M$2.9M

Provisions reduced 29.9% — improving credit quality or reserve release boosting reported earnings.

Stockholders Equity
Balance Sheet
+24.3%
$655.0M$814.1M

Equity base grew 24.3% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Net Income
P&L
+13.8%
$49.4M$56.2M

Net income grew 13.8% — bottom-line growth signals improving overall business health.

Net Interest Income
P&L
+13%
$286.6M$323.8M

Net interest income grew 13% — benefiting from rate environment or loan book expansion.

Total Assets
Balance Sheet
+12.1%
$5.5B$6.1B

Asset base grew 12.1% — expansion through organic growth, acquisitions, or capital deployment.

Total Deposits
Balance Sheet
+11.2%
$4.7B$5.2B

Deposits grew 11.2% — expanding customer base or increased trust in the institution.

Total Liabilities
Balance Sheet
+10.5%
$4.8B$5.3B

Liabilities increased 10.5% — monitor debt-to-equity ratio and interest coverage.

LANGUAGE CHANGES
NEW — 2026-03-12
PRIOR — 2025-03-13
ADDED
30, 2025, the last business day of the registrant s most recently completed second quarter was approximately $ 604.5 million.
As of February 28, 2026, the registrant had 23,176,156 shares of common stock outstanding, par value $1.00 per share.
GLOSSARY OF DEFINED ACRONYMS AND TERMS 1st Colonial 1st Colonial Bancorp, Inc.
NASDAQ Major stock exchange where the Corporation's shares are traded NOL Net operating loss 3 MID PENN BANCORP, INC.
OBS Off-Balance Sheet OCI Other Comprehensive Income OREO Other Real Estate Owned PCD Purchased Credit Deteriorated PCL Provision for Credit Losses - Loans PD Probability of Default Phoenix Phoenix Bancorp, Inc.
Public Offering Underwritten public offering of 2,375,000 shares of the Corporation s common stock Riverview Riverview Financial Corporation Riverview Acquisition Merger acquisition of Riverview SBA Small Business Administration Scottdale Scottdale Bank and Trust Company SEC Securities Exchange Commission SOFR Secured Overnight Financing Rate William Penn William Penn Bancorporation William Penn Acquisition Merger acquisition of William Penn WSJP Wall Street Journal Prime 4 MID PENN BANCORP, INC.
In addition to Mid Penn Bank, Mid Penn maintains six wholly-owned nonbank subsidiaries: MPB Financial Services, LLC, that serves as the mid-tier holding company for MPB Risk Services, LLC, a licensed insurance producer, MPB Acquisition Sub I, LLC, which was formed in connection with the acquisition of Cumberland Advisors, LLC.
See "Subsequent Events" for additional information; MPB Wealth Management, LLC, which ceased operating during the first quarter of 2024; MPB Launchpad Fund I, LLC, which was formed to hold certain financial holding company eligible investments; and MPB Realty Holding, LLC, which was formed for purposes of holding certain assets acquired for debts previously contracted.
As of December 31, 2025, Mid Penn had total consolidated assets of $6.1 billion with total deposits of $5.2 billion and total shareholders equity of $814.1 million.
As of December 31, 2025, the holding company and its nonbank subsidiaries owned $7.8 million of foreclosed real estate and did not own or lease any other real property.
REMOVED
30, 2024, the last business day of the registrant s most recently completed second quarter was approximately $ 389.4 million.
As of February 28, 2025, the registrant had 19,355,997 shares of common stock outstanding, par value $1.00 per share.
FOMC Federal Open Market Committee FTE Fully taxable-equivalent GAAP Accounting principles generally accepted in the United States of America GDP Gross domestic product HFS Held for Sale HTM Held to Maturity LGD Loss Given Default LHFI Loans held for investment LIHTC Low-Income Housing Tax Credits Loans Loans, net of unearned income Management Discussion Management's Discussion and Analysis of Financial Condition and Results of Operations Merger Merger acquisition of William Penn Merger Agreement Agreement and Plan of Merger between Mid Penn and William Penn.
NASDAQ Major stock exchange where the Corporation's shares are traded N/M Not meaningful - (percentage changes greater than +/- 150% not considered meaningful) OBS Off-Balance Sheet OCI Other Comprehensive Income PCD Purchased Credit Deteriorated PCL Provision for Credit Losses - Loans PD Probability of Default Phoenix Phoenix Bancorp Inc.
Public Offering Underwritten public offering of 2,375,000 shares of the Corporation s common stock Riverview Riverview Financial Corporation Riverview Acquisition Merger acquisition of Riverview ROA Return on Assets ROE Return on Equity SBA Small Business Association Scottdale Scottdale Bank and Trust Company SEC Securities Exchange Commission SOFR Secured Overnight Financing Rate William Penn William Penn Bancorporation WSJP Wall Street Journal Prime 3 MID PENN BANCORP, INC.
In addition to Mid Penn Bank, Mid Penn maintains five wholly-owned nonbanks subsidiaries: MPB Financial Services, LLC, which serves as the mid-tier holding company for MPB Risk Services, LLC, a licensed insurance producer, MPB Wealth Management, LLC (which ceased operating during the first quarter of 2024), and MPB Launchpad Fund I, LLC, which was formed to hold certain financial holding company eligible investments; and MPB Realty Holding, LLC, which was formed for purposes of holding certain assets acquired for debts previously contracted.
At December 31, 2024, Mid Penn had total consolidated assets of $5.5 billion with total deposits of $4.7 billion and total shareholders equity of $655.0 million.
The holding company and its nonbank subsidiaries currently do not own or lease any real property.
On October 31, 2024, Mid Penn entered into an Agreement and Plan of Merger with William Penn Bancorporation pursuant to which William Penn will merge with and into Mid Penn in an all-stock transaction valued at approximately $107 million, based on Mid Penn s closing stock price as of October 30, 2024.
The Merger has been approved unanimously by each company s board of directors and is expected to close in the first half of 2025.
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