Penn Community Bank
Penn Community Bank reported total assets of $3.1 bn at Q2 2026, up 2.4% on a year earlier, the 409th largest of 497 banks in our US coverage. The CET1 capital ratio at Penn Community Bank was 16.17%, and the uninsured share of Penn Community Bank was 32.62%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Penn Community Bank slipped from 52nd to 222nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Penn Community Bank reports one of the lowest return on assets (ROA) readings among banks of $1 bn to $10 bn: 0.58% at , where the median of the 339 banks is 1.32% (FDIC Call Reports).
- The return on equity (ROE) of Penn Community Bank, 5.31% at , places Penn Community Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 12.68%; FDIC Call Reports).
What sets Penn Community Bank apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower net interest margin than Penn Community Bank, at 2.74% in ; the group median is 3.66%.
- Since , Penn Community Bank has taken over one institution; the latest was Chelten Hills Savings Bank on .
How large is Penn Community Bank?
The balance sheet of Penn Community Bank at : assets $3.1 bn, deposits $2.5 bn, net loans $2.2 bn (loans equal to 89.46% of deposits). Securities make up 18.6% of total assets at Penn Community Bank. Since , when Penn Community Bank held $1.8 bn, its assets grew 66.0%. In the year to , deposits at Penn Community Bank rose 2.2% while its total assets rose 2.4%. At , Penn Community Bank employed 306 full-time equivalent staff across 22 offices, about $10.0 mn of assets per employee and $112.0 mn of deposits per office.
How much funding at Penn Community Bank is uninsured?
At Penn Community Bank, uninsured deposits (above the FDIC limit) made up 32.62% of domestic deposits at (+0.69 pp on a year earlier); Penn Community Bank ranks 277th of 500 on this measure. In dollars, Penn Community Bank estimated $804.2 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +2.2% | 427th of 499 |
| Net loans and leases | $2.2 bn | +7.4% | 408th of 500 |
| Loan-to-deposit ratio | 89.46% | +4.27 pp | 200th of 500 |
| Tier 1 leverage ratio | 12.68% | +0.23 pp | 70th of 500 |
| Total risk-based capital ratio | 17.19% | -0.64 pp | 85th of 448 |
| Net interest margin | 2.74% | +0.44 pp | 447th of 500 |
| Return on assets (ROA) | 0.58% | +0.30 pp | 466th of 500 |
| Efficiency ratio | 72.57% | -8.41 pp | 448th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $2.4 mn | Narrowed by $2.1 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $77.8 mn | Narrowed by $13.9 mn | |
| Noncurrent loans to total loans | 0.56% | +0.42 pp | 222nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.03% | +0.03 pp | 149th of 500 (1 = lowest) |
US rank of Penn Community Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Penn Community Bank: assets, deposits and loans
- Total assets $3.1bn
- Deposits $2.5bn
- Net loans $2.2bn
Capital and securities
The CET1 ratio of Penn Community Bank stood at 16.17% in , -0.64 pp year on year. Low and high at Penn Community Bank since : 15.99% () to 19.52% (). Equity capital of Penn Community Bank at : $335.9 mn, or 10.9% of total assets. Penn Community Bank also reported a total capital ratio of 17.19% for , and a tier 1 leverage ratio of 12.68%.
On held-to-maturity securities, Penn Community Bank carried an unrealized loss of $2.4 mn at , equal to 0.7% of equity capital. The loss narrowed by $2.1 mn over the year. Its deepest point: $7.0 mn in . The available-for-sale portfolio of Penn Community Bank showed an unrealized loss of $77.8 mn at ; the loss narrowed by $13.9 mn over the year.
Penn Community Bank: capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 13%
Penn Community Bank: unrealized securities gains and losses
- Available for sale -$78mn
- Held to maturity -$2mn
Profitability and loan quality
For the year to , Penn Community Bank earned a return on equity of 5.31%; return on assets: 0.58%. Net interest margin at Penn Community Bank: 2.74%, +0.44 pp in a year. Penn Community Bank net income: $8.8 mn, up 112.2% year on year. The efficiency ratio of Penn Community Bank was 72.57%: about 73 cents cost per revenue dollar, against 59 cents at the median peer.
At , noncurrent loans were 0.56% of total loans at Penn Community Bank; net charge-offs: 0.03% of average loans. Gross loans and leases at Penn Community Bank: $2.2 bn, up 7.4% in a year.
Penn Community Bank: profitability
- Return on equity 5.3%
- Net interest margin 2.7%
- Return on assets 0.6%
Peer group of Penn Community Bank
The peer group of Penn Community Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of Penn Community Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Pennsylvania. Against them, Penn Community Bank shows CET1 ratio 16.17% against a peer median of 14.02%, return on equity 5.31% against a peer median of 11.53% and uninsured deposit share 32.62% against a peer median of 30.26%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Amboy Bank | State member bank | NJ | $3.1 bn | 14.75% | 21.96% | 53.18% | |
| BCB Community Bank | State nonmember bank | NJ | $3.1 bn | not reported | -4.67% | 44.78% | |
| UniBank for Savings | State nonmember bank | MA | $3.1 bn | 14.02% | 13.54% | 29.42% | |
| Penn Community Bank | State-chartered stock savings bank | PA | $3.1 bn | 16.17% | 5.31% | 32.62% | |
| CB&S Bank, Inc. | State nonmember bank | AL | $3.1 bn | not reported | 12.21% | 31.10% | |
| Midwest BankCentre | State member bank | MO | $3.1 bn | 13.54% | 10.84% | 26.11% | |
| Guaranty Bank and Trust Company | State nonmember bank | MS | $3.1 bn | not reported | 9.91% | 24.45% | |
. FDIC Call Reports.
Last eight quarters
Two years at Penn Community Bank, to : assets +4.3%, deposits +8.4%, equity +9.5%. Staff 310 to 306.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.9 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.0 bn | $3.1 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.5 bn |
| Bank equity capital | $306.9 mn | $291.3 mn | $301.3 mn | $308.4 mn | $319.0 mn | $328.0 mn | $331.2 mn | $335.9 mn |
| CET1 ratio | 17.56% | 17.63% | 17.20% | 16.81% | 15.99% | 16.55% | 16.48% | 16.17% |
| Return on equity (ROE) | 3.90% | 2.84% | 1.84% | 2.77% | 3.08% | 3.77% | 5.68% | 5.31% |
| Uninsured share of domestic deposits | 28.85% | 27.78% | 29.00% | 31.93% | 32.39% | 31.57% | 30.72% | 32.62% |
| Full-time equivalent employees | 310 | 306 | 298 | 322 | 310 | 302 | 311 | 306 |
| Number of offices | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Penn Community Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed Chelten Hills Savings Bank (FDIC certificate 57125).
Questions and identifiers
What were the total assets of Penn Community Bank?
Penn Community Bank reported $3.1 bn at in its Call Report. That makes Penn Community Bank the 409th largest of 497 banks in our US coverage.
Is Penn Community Bank the same as its holding company?
No. This page covers Penn Community Bank, FDIC certificate 30401; PENN CMTY MUTUAL HOLDINGS INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Penn Community Bank profitable?
Penn Community Bank reported net income of $8.8 mn for the year to ; annualized return on equity: 5.31%. So yes: Penn Community Bank made a profit over these months.
When is data for Penn Community Bank next updated?
Figures from Penn Community Bank for are due after .
Where can I check the figures for Penn Community Bank?
In the FDIC BankFind Suite record for certificate 30401, and in the Call Reports of Penn Community Bank (RSSD ID 328777) at the FFIEC Central Data Repository.