Company Reports Q4 Net Interest Margin Up to 3.79%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 21 2026
0mins
Should l Buy MPB?
Reports Q4 net interest margin up to 3.79% vs. 3.60% for Q3 and 3.21% for the year ago quarter. Tangible book value per common share was $28.76 as of December 31, 2025, compared to $27.96 and $26.90 as of September 30, 2025 and December 31, 2024, respectively. CEO Rory Ritrievi stated: "We are pleased to announce our Q4 of 2025 and full year 2025 results of operations to our shareholders. Q4 included a return to organic loan growth, improvement in asset quality, improvement in net interest margin and a disciplined approach to operating expense management. For the full year, we improved profitability metrics through a solid performance in asset quality, a 58 basis point net interest margin expansion, a 19% increase in noninterest income growth and solid improvement in core operating expense management that led to an overall efficiency ratio for the year of 59.33%, a significant improvement over the 64.96% ratio for FY24. Based upon the foregoing, we are happy to announce a Q4 dividend of 22c per common share, payable February 17, 2026, to shareholders of record as of February 6, 2026, as well as a 5c special dividend, payable February 17, 2026, to shareholders of record as of February 6, 2026."
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Analyst Views on MPB
Wall Street analysts forecast MPB stock price to rise
1 Analyst Rating
1 Buy
0 Hold
0 Sell
Moderate Buy
Current: 32.680
Low
37.00
Averages
37.00
High
37.00
Current: 32.680
Low
37.00
Averages
37.00
High
37.00
About MPB
Mid Penn Bancorp, Inc. is a financial holding company. The Company conducts operations through Mid Penn Bank (the Bank) and its nonbank subsidiaries, engages in a full-service commercial banking and trust business, making available to the community a wide range of financial services, including, mortgage and home equity loans, secured and unsecured commercial and consumer loans, lines of credit, construction financing, farm loans, community development loans, loans to non-profit entities and local government loans, and various types of time and demand deposits including, checking accounts, savings accounts, clubs, money market deposit accounts, certificates of deposit, and Individual Retirement Accounts (IRA). In addition, the Bank provides a full range of trust and wealth management services through its Trust Department. The financial services are provided to individuals, partnerships, non-profit organizations, and corporations through its retail banking offices.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Mid Penn Bancorp Completes Acquisition of 1st Colonial Bancorp
- Acquisition Completed: Mid Penn Bancorp finalized its acquisition of 1st Colonial Bancorp on February 27, 2026, with a transaction valued at approximately $106.1 million, further extending its footprint in the Philadelphia and southern New Jersey markets.
- Asset Consolidation: Post-merger, the combined assets of Mid Penn total around $7 billion, enhancing its competitive position in the regional market and enabling the provision of additional resources and capabilities to customers.
- Management Changes: Thomas R. Brugger, a former director of 1st Colonial, has been appointed as a director of both Mid Penn and Mid Penn Bank, ensuring continuity in leadership and operational integration post-merger.
- Advisory Support: Keefe, Bruyette & Woods and Holland & Knight LLP served as financial and legal advisors to Mid Penn, respectively, ensuring the smooth execution of the transaction and reflecting the company's professionalism and strategic planning in mergers and acquisitions.
See More
Mid Penn Bancorp Completes Acquisition of 1st Colonial Bancorp
- Acquisition Completed: Mid Penn Bancorp finalized its acquisition of 1st Colonial Bancorp on February 27, 2026, with a transaction valued at approximately $106.1 million, extending Mid Penn's footprint into the greater Philadelphia metropolitan area and southern New Jersey, thereby enhancing its market position.
- Asset Consolidation: The combined assets of Mid Penn post-merger total approximately $7 billion, which significantly strengthens its resources and capabilities in the competitive financial services market to meet diverse customer needs.
- Management Changes: Following the merger, Thomas R. Brugger, a former director of 1st Colonial, was appointed as a director of Mid Penn and Mid Penn Bank, which will aid in integrating the management teams of both banks to ensure a smooth transition and improve operational efficiency.
- Advisory Team Support: Keefe, Bruyette & Woods and Holland & Knight LLP served as financial and legal advisors to Mid Penn, while Stephens Inc. provided an independent fairness opinion for 1st Colonial, ensuring professional support for the successful execution of the transaction.
See More
Mid Penn's Acquisition of 1st Colonial Receives Shareholder Approval
- Strong Shareholder Support: At the special meeting on February 11, 2026, over 80% of 1st Colonial's shares were represented, with 3,993,902 votes in favor of the acquisition proposal, indicating robust shareholder backing that is expected to enhance Mid Penn's market position.
- Merger Agreement Approved: More than 99% of 1st Colonial shareholders voted in favor of the merger agreement, reflecting that the transaction will enable both companies to provide greater customer service capabilities and further solidify their market presence in the Greater Philadelphia area.
- Asset Growth: Following the merger, Mid Penn is projected to have approximately $7.5 billion in assets, which will expand its operations in Southeastern Pennsylvania and Southern New Jersey, enhancing overall market competitiveness.
- Strategic Market Expansion: This acquisition not only extends Mid Penn's reach into more attractive markets but also aims to improve customer experience through resource integration and service enhancement, driving long-term growth for the company.
See More
Mid Penn Bancorp Completes Acquisition of 1st Colonial Bancorp
- Acquisition Approval: Mid Penn Bancorp announced it has received all necessary regulatory approvals to complete its acquisition of 1st Colonial Bancorp, valued at approximately $101 million, indicating the company's proactive approach in M&A activities.
- Shareholder Approval Pending: While regulatory approval has been secured, the transaction still requires approval from 1st Colonial shareholders and other customary closing conditions, with completion expected in Q1 2026, reflecting the complexity of the deal and reliance on shareholder support.
- Market Expansion Strategy: This acquisition will expand Mid Penn Bank's footprint in the greater Philadelphia metropolitan area, southeastern Pennsylvania, and southern New Jersey, enhancing its competitiveness in these rapidly growing regions.
- Projected Asset Growth: Following the merger, the combined company is expected to have approximately $7.5 billion in assets as of March 31, 2026, indicating that Mid Penn Bancorp is achieving economies of scale and increasing market share through strategic acquisitions.
See More
Mid Penn Bancorp Receives Approval for 1st Colonial Acquisition
- Transaction Value: Mid Penn Bancorp's acquisition of 1st Colonial Bancorp is valued at approximately $101 million, having received all necessary regulatory approvals, marking a significant step in expanding market share.
- Merger Timeline: The transaction is expected to close in the first quarter of 2026, pending shareholder approval from 1st Colonial and other customary closing conditions, which will accelerate Mid Penn's market penetration in the greater Philadelphia area.
- Asset Growth: Post-merger, Mid Penn is projected to have approximately $7.5 billion in assets, significantly enhancing its market position in southeastern Pennsylvania and southern New Jersey, thereby increasing its competitiveness.
- Integration Strategy: Mid Penn's CEO stated that with regulatory approval, the focus will shift to seamless integration to ensure customer and shareholder interests, thereby laying the groundwork for future business growth.
See More
Mid Penn Bancorp Receives Approval for 1st Colonial Acquisition
- Transaction Value: Mid Penn Bancorp announced its acquisition of 1st Colonial Bancorp, valued at approximately $101 million, to be executed through a cash and stock transaction, with completion expected in Q1 2026, thereby enhancing Mid Penn's market position in the Philadelphia area.
- Asset Growth: Post-merger, Mid Penn is projected to have approximately $7.5 billion in assets, significantly boosting its competitiveness in the eastern markets, particularly in Pennsylvania and southern New Jersey.
- Regulatory Approval: The transaction has received all necessary regulatory approvals, marking a critical milestone in the merger process, with Mid Penn's CEO emphasizing a focus on seamless integration to support customer and shareholder interests.
- Shareholder Voting: A special meeting for 1st Colonial shareholders is scheduled for February 11, 2026, to vote on the approval of the transaction, which will impact the final completion timeline of the merger.
See More
Mid Penn Bancorp Completes Acquisition of 1st Colonial Bancorp
- Acquisition Completed: Mid Penn Bancorp finalized its acquisition of 1st Colonial Bancorp on February 27, 2026, with a transaction valued at approximately $106.1 million, further extending its footprint in the Philadelphia and southern New Jersey markets.
- Asset Consolidation: Post-merger, the combined assets of Mid Penn total around $7 billion, enhancing its competitive position in the regional market and enabling the provision of additional resources and capabilities to customers.
- Management Changes: Thomas R. Brugger, a former director of 1st Colonial, has been appointed as a director of both Mid Penn and Mid Penn Bank, ensuring continuity in leadership and operational integration post-merger.
- Advisory Support: Keefe, Bruyette & Woods and Holland & Knight LLP served as financial and legal advisors to Mid Penn, respectively, ensuring the smooth execution of the transaction and reflecting the company's professionalism and strategic planning in mergers and acquisitions.
See More
Mid Penn Bancorp Completes Acquisition of 1st Colonial Bancorp
- Acquisition Completed: Mid Penn Bancorp finalized its acquisition of 1st Colonial Bancorp on February 27, 2026, with a transaction valued at approximately $106.1 million, extending Mid Penn's footprint into the greater Philadelphia metropolitan area and southern New Jersey, thereby enhancing its market position.
- Asset Consolidation: The combined assets of Mid Penn post-merger total approximately $7 billion, which significantly strengthens its resources and capabilities in the competitive financial services market to meet diverse customer needs.
- Management Changes: Following the merger, Thomas R. Brugger, a former director of 1st Colonial, was appointed as a director of Mid Penn and Mid Penn Bank, which will aid in integrating the management teams of both banks to ensure a smooth transition and improve operational efficiency.
- Advisory Team Support: Keefe, Bruyette & Woods and Holland & Knight LLP served as financial and legal advisors to Mid Penn, while Stephens Inc. provided an independent fairness opinion for 1st Colonial, ensuring professional support for the successful execution of the transaction.
See More
Mid Penn's Acquisition of 1st Colonial Receives Shareholder Approval
- Strong Shareholder Support: At the special meeting on February 11, 2026, over 80% of 1st Colonial's shares were represented, with 3,993,902 votes in favor of the acquisition proposal, indicating robust shareholder backing that is expected to enhance Mid Penn's market position.
- Merger Agreement Approved: More than 99% of 1st Colonial shareholders voted in favor of the merger agreement, reflecting that the transaction will enable both companies to provide greater customer service capabilities and further solidify their market presence in the Greater Philadelphia area.
- Asset Growth: Following the merger, Mid Penn is projected to have approximately $7.5 billion in assets, which will expand its operations in Southeastern Pennsylvania and Southern New Jersey, enhancing overall market competitiveness.
- Strategic Market Expansion: This acquisition not only extends Mid Penn's reach into more attractive markets but also aims to improve customer experience through resource integration and service enhancement, driving long-term growth for the company.
See More
Mid Penn Bancorp Completes Acquisition of 1st Colonial Bancorp
- Acquisition Approval: Mid Penn Bancorp announced it has received all necessary regulatory approvals to complete its acquisition of 1st Colonial Bancorp, valued at approximately $101 million, indicating the company's proactive approach in M&A activities.
- Shareholder Approval Pending: While regulatory approval has been secured, the transaction still requires approval from 1st Colonial shareholders and other customary closing conditions, with completion expected in Q1 2026, reflecting the complexity of the deal and reliance on shareholder support.
- Market Expansion Strategy: This acquisition will expand Mid Penn Bank's footprint in the greater Philadelphia metropolitan area, southeastern Pennsylvania, and southern New Jersey, enhancing its competitiveness in these rapidly growing regions.
- Projected Asset Growth: Following the merger, the combined company is expected to have approximately $7.5 billion in assets as of March 31, 2026, indicating that Mid Penn Bancorp is achieving economies of scale and increasing market share through strategic acquisitions.
See More
Mid Penn Bancorp Receives Approval for 1st Colonial Acquisition
- Transaction Value: Mid Penn Bancorp's acquisition of 1st Colonial Bancorp is valued at approximately $101 million, having received all necessary regulatory approvals, marking a significant step in expanding market share.
- Merger Timeline: The transaction is expected to close in the first quarter of 2026, pending shareholder approval from 1st Colonial and other customary closing conditions, which will accelerate Mid Penn's market penetration in the greater Philadelphia area.
- Asset Growth: Post-merger, Mid Penn is projected to have approximately $7.5 billion in assets, significantly enhancing its market position in southeastern Pennsylvania and southern New Jersey, thereby increasing its competitiveness.
- Integration Strategy: Mid Penn's CEO stated that with regulatory approval, the focus will shift to seamless integration to ensure customer and shareholder interests, thereby laying the groundwork for future business growth.
See More
Mid Penn Bancorp Receives Approval for 1st Colonial Acquisition
- Transaction Value: Mid Penn Bancorp announced its acquisition of 1st Colonial Bancorp, valued at approximately $101 million, to be executed through a cash and stock transaction, with completion expected in Q1 2026, thereby enhancing Mid Penn's market position in the Philadelphia area.
- Asset Growth: Post-merger, Mid Penn is projected to have approximately $7.5 billion in assets, significantly boosting its competitiveness in the eastern markets, particularly in Pennsylvania and southern New Jersey.
- Regulatory Approval: The transaction has received all necessary regulatory approvals, marking a critical milestone in the merger process, with Mid Penn's CEO emphasizing a focus on seamless integration to support customer and shareholder interests.
- Shareholder Voting: A special meeting for 1st Colonial shareholders is scheduled for February 11, 2026, to vote on the approval of the transaction, which will impact the final completion timeline of the merger.
See More
