Penn Community Bank
Penn Community Bank reported total assets of $3.1 bn at Q2 2026, up 2.4% from a year earlier. That ranks 409th among 497 banks reporting this metric (1 = highest). Its common equity tier 1 ratio was 16.17%, and an estimated 32.62% of domestic deposits were uninsured. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Uninsured share of domestic deposits: up 1.91 pp on Q1 2026, to 32.62%
- Net loans and leases: up 3.5% on Q1 2026, to $2.2 bn
- Return on equity (ROE): down 0.37 pp on Q1 2026, to 5.31%
Ranks compare banks in our US coverage that report each metric. Sparklines: the last ten years. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Overview
What stands out about Penn Community Bank?
Nothing in the latest data sets Penn Community Bank apart from its size peers or the rest of the table: no unusual quarterly move, peer gap, rank change or outlier ratio. This page is kept out of search results until that changes.
How large is Penn Community Bank?
At Q2 2026 the bank held $3.1 bn of assets. Deposits were $2.5 bn and net loans and leases $2.2 bn, a loan-to-deposit ratio of 89.46%. Securities of $571.0 mn made up 18.6% of assets.
Total assets rose 66.0% between Q1 2016 and Q2 2026, from $1.8 bn.
How much of its funding is uninsured?
An estimated 32.62% of domestic deposits were above the FDIC insurance limit at Q2 2026, +1.91 pp from the previous quarter and +0.69 pp from a year earlier. That share ranks 277th among 500 banks reporting this metric (1 = highest).
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total assets | $3.1 bn | +2.4% | 409th of 497 |
| Total deposits | $2.5 bn | +2.2% | 427th of 499 |
| Net loans and leases | $2.2 bn | +7.4% | 408th of 500 |
| Bank equity capital | $335.9 mn | +8.9% | 407th of 498 |
| Common equity tier 1 (CET1) ratio | 16.17% | -0.64 pp | 82nd of 448 |
| Tier 1 leverage ratio | 12.68% | +0.23 pp | 70th of 500 |
| Return on equity (ROE) | 5.31% | +2.54 pp | 464th of 500 |
| Net interest margin | 2.74% | +0.44 pp | 447th of 500 |
| Uninsured share of domestic deposits | 32.62% | +0.69 pp | 277th of 500 |
| Unrealized gain/loss on held-to-maturity securities | Loss of $2.4 mn | Narrowed by $2.1 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: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.
Balance sheet
Total assets, deposits and net loans, quarterly, Q1 2016 to Q2 2026. Dashed amber lines mark the merger or acquisition listed under Mergers and acquisitions.
- Total assets $3.1bn
- Deposits $2.5bn
- Net loans $2.2bn
Capital and securities
The common equity tier 1 (CET1) ratio was 16.17% at Q2 2026, -0.64 pp from a year earlier. Since Q1 2016 it has ranged from 15.99% (Q3 2025) to 19.52% (Q3 2017). At Q2 2026 the tier 1 leverage ratio was 12.68% and the total risk-based capital ratio 17.19%. The median CET1 ratio of the size peers listed below was 14.02% at Q2 2026.
Held-to-maturity securities had an unrealized loss of $2.4 mn at Q2 2026, measured as fair value minus amortized cost, equal to 0.7% of bank equity capital. The loss narrowed by $2.1 mn from a year earlier. The largest unrealized loss on these securities was $7.0 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $77.8 mn at Q2 2026; the loss narrowed by $13.9 mn from a year earlier.
Capital ratios
- Total capital 17%
- CET1 16%
- Tier 1 leverage 13%
Unrealized gains and losses on securities
- Available for sale -$78mn
- Held to maturity -$2mn
Profitability and loan quality
Return on equity was 5.31% for the year to Q2 2026, annualized, with a return on assets of 0.58% and a net interest margin of 2.74%. The margin was +0.44 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 72.57%. Net income for the year to Q2 2026 was $8.8 mn, up 112.2% on the same period a year earlier. The median return on equity of its size peers was 11.53% for the same period.
Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.56% of total loans at Q2 2026. Net charge-offs for the year to date were 0.03% of average loans, annualized.
Profitability
- Return on equity 5.3%
- Net interest margin 2.7%
- Return on assets 0.6%
Compared with banks of similar size
The six banks ranked closest to Penn Community Bank by total assets at Q2 2026, three above and three below where possible.
Among the seven banks in the table at Q2 2026, Penn Community Bank is 4th by total assets. Its CET1 ratio of 16.17% compares with a peer median of 14.02%, its tier 1 leverage ratio of 12.68% compares with a peer median of 10.42%, and its return on equity of 5.31% compares with a peer median of 11.53%.
| Bank | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|
| Amboy Bank | $3.1 bn | 14.75% | 21.96% | 53.18% | |
| BCB Community Bank | $3.1 bn | not reported | -4.67% | 44.78% | |
| UniBank for Savings | $3.1 bn | 14.02% | 13.54% | 29.42% | |
| Penn Community Bank | $3.1 bn | 16.17% | 5.31% | 32.62% | |
| CB&S Bank, Inc. | $3.1 bn | not reported | 12.21% | 31.10% | |
| Midwest BankCentre | $3.1 bn | 13.54% | 10.84% | 26.11% | |
| Guaranty Bank and Trust Company | $3.1 bn | not reported | 9.91% | 24.45% | |
Q2 2026. Peer median (the six banks, excluding this one): CET1 14.02%, return on equity 11.53%. Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Last eight quarters
Penn Community Bank, as reported in its Call Reports.
From Q3 2024 to Q2 2026, total assets rose 4.3% to $3.1 bn, deposits rose 8.4% to $2.5 bn and bank equity capital rose 9.5% to $335.9 mn. Over the same period its full-time equivalent staff went from 310 to 306 and its offices went from 22 to 22.
| 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 |
| Common equity tier 1 (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 |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Mergers and acquisitions
Figures before and after each event are not like for like.
- . Absorbed Chelten Hills Savings Bank (FDIC certificate 57125).
Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.
Identifiers and sources
- FDIC certificate
- 30401
- Federal Reserve RSSD ID
- 328777
- Head office
- Doylestown, Pennsylvania
- Holding company
- PENN CMTY MUTUAL HOLDINGS INC (as reported to the FDIC)
- Holding company RSSD ID
- 3200463
- EconoMonitor ID
- EMB-US-000570
Frequently asked questions
What were Penn Community Bank's total assets?
$3.1 bn at Q2 2026, according to its Call Report as published by the FDIC. By total assets it ranks 409th among 497 banks reporting this metric (1 = highest).
Is Penn Community Bank the same as its holding company?
No. This page covers the FDIC-insured bank (certificate 30401). Its holding company, PENN CMTY MUTUAL HOLDINGS INC (as reported to the FDIC), reports separately to the Federal Reserve and, if its shares are listed, to the SEC.
How often is this page updated?
Every quarter, after Penn Community Bank files its Call Report and the FDIC publishes it. This page shows Q2 2026, loaded on 19 October 2026; any sentence that uses an earlier quarter names it.
Where can I check these numbers?
In the FDIC BankFind Suite record for certificate 30401, and in the Call Reports filed under RSSD ID 328777 at the FFIEC Central Data Repository.
Sources and definitions
Definitions, Call Report fields and formulas for each metric: Bank equity capital, Uses community bank leverage ratio framework, Common equity tier 1 (CET1) ratio, Deposits in domestic offices, Efficiency ratio, Full-time equivalent employees, Loan-to-deposit ratio, Total loans and leases (gross), Net loans and leases, Net charge-offs to average loans, Net income (year to date), Net interest margin, Noncurrent loans to total loans, Number of offices, Return on assets (ROA), Return on equity (ROE), Available-for-sale securities (amortized cost), Available-for-sale securities (fair value), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value), Total securities, Tier 1 leverage ratio, Total assets, Total deposits, Total equity capital, Total risk-based capital ratio, Uninsured share of domestic deposits, Estimated uninsured deposits, Unrealized gain/loss on available-for-sale securities, Unrealized gain/loss on held-to-maturity securities.
Checks for this release: Check A (database against the FDIC download) passed, Check B (FDIC against FFIEC Call Report filings) passed.
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. FDIC BankFind Suite API.
Source: FFIEC Central Data Repository (Call Reports). EconoMonitor is not affiliated with or endorsed by the FFIEC. FFIEC Central Data Repository, Public Data Distribution.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.