Bank of Bird-in-Hand
Bird In Hand, Pennsylvania, Lancaster County
$1.9B in total assets, the 642nd largest of 4,309 US banks and 29th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 59074
- Established
- 2013
- Owned by
- Gelt Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.bihbank.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.9B | 44% | $2.4B | |
| Loans | $1.7B | 56% | $1.6B | |
| Deposits | $1.7B | 44% | $2.0B | |
| Return on assets | 1.06% | 39% | 1.19% | |
| Net interest margin | 3.28% | 25% | 3.75% | |
| Efficiency ratio | 52.6% | 19% | 59.5% | |
| Equity to assets | 9.62% | 33% | 10.49% | |
| Loans to deposits | 103% | 94% | 89% |
Growth
Total assets grew 23.5% a year over the last 5 years and 29.4% a year over 10 years, without acquisitions.
Where they operate
15 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lancaster County, PA | $1.5B | 7.7% | 5 of 25 |
| Dauphin County, PA | $99M | 1.2% | 15 of 19 |
| Lebanon County, PA | $96M | 3.0% | 7 of 12 |
| Chester County, PA | $32M | 0.2% | 24 of 29 |
| Berks County, PA | $0K | 0.0% | 19 of 19 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 14 branches since 2016 (1 to 15, +1400.0%). 14 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1 | |||
| 2016 | Opened Intercourse | 1 | 0 | +1 | 2 |
| 2018 | Opened Bird In Hand | 1 | 0 | +1 | 3 |
| 2019 | Opened Paradise | 1 | 0 | +1 | 4 |
| 2020 | Opened Bird In Hand | 2 | 0 | +2 | 6 |
| 2021 | Opened Ephrata | 1 | 0 | +1 | 7 |
| 2022 | Opened 3 in Pennsylvania | 3 | 0 | +3 | 10 |
| 2023 | Opened Bernville | 1 | 0 | +1 | 11 |
| 2025 | Opened 4 in Pennsylvania | 4 | 0 | +4 | 15 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 36% | 2% | |
| 1-4 family residential | 31% | 35% | |
| Commercial real estate | 20% | 33% | |
| Business (C&I) | 6% | 10% | |
| Multifamily | 5% | 8% | |
| Agricultural | 2% | 0% | |
| Construction and land | 1% | 6% | |
| Consumer | 0% | 3% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 54% | |
| Time deposits | 36% | 26% | |
| Noninterest-bearing | 9% | 20% |
Brokered deposits are 1.3% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.19% | 0.58% |
| Net charge-offs, annualized | 0.00% | 0.04% |
| Reserves to loans | 0.61% | 0.99% |
| Leverage ratio | 9.82% | 9.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Lancaster County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/bank-bird-in-hand-pa