Retail Banking Performance & Branch Profitability

Meridian Community Bancorp • $4.2B Assets • 47 Branches

Net Interest Margin
3.12%
-29 bps
Deposit Cost Rate
1.87%
+155 bps
Loan-to-Deposit Ratio
82.4%
+3.2 pp
NPL Rate
1.71%
+48 bps
Alert
Fee Income Mix
18.2%
+1.4 pp
Cross-Sell Depth
3.4
+0.3
products/household

Branch Cluster Profitability

Deposit Mix by Product Tier

NIM by Customer Segment

Cost-to-Serve per Relationship

Revenue per FTE Trend

Digital Channel Adoption

CAC by Channel

Cross-Sell Distribution

Branch Performance Detail

Branch NIM Deposits Cost Rate LTD Ratio Cross-Sell Fee % NPL Rate
Wilmington Main 3.87% $142M 1.22% 91.2% 4.1 21.4% 0.82%
Cherry Hill 3.54% $118M 1.58% 86.3% 3.7 19.8% 1.14%
Harrisburg North 3.21% $87M 1.79% 79.8% 3.2 17.3% 1.52%
Princeton 2.98% $103M 2.14% 74.1% 3.5 18.9% 1.88%
Newark Downtown 2.41% $61M 2.87% 68.2% 2.8 15.1% 2.34%
Baltimore Harbor 3.34% $95M 1.68% 83.7% 3.6 20.2% 1.26%
Lancaster 2.87% $74M 2.21% 77.4% 3.1 16.5% 1.64%
Dover 3.18% $52M 1.91% 81.5% 3.3 17.7% 1.42%

NPL Rate by Portfolio Segment

Fee Income Composition

Rate Sensitivity & NIM Scenario Analysis