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The Pennsville National Bank

$100M-$1B Specialty: Other NJ FDIC cert 19978

Pennsville, NJ

5 branches across NJ

2664 banks in the $100M-$1B peer group nationally 23 in NJ
View $100M-$1B leaderboard (NJ) →

The Pennsville National Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.13% above tier average
  • + Net Interest Margin 0.17% above tier average
  • + Efficiency Ratio 9.31% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 11.1% in tier
  • - Delinquency Rate 0.30% above tier average
Get updates when The Pennsville National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Total Assets ? $289.7M
+0.4% YoY +0.7% QoQ
-$96.3M $386.1M
+0.5% YoY
$4.1B
+2.0% YoY
$6.2B
+9.1% YoY
44%
Total Loans ? $124.7M
+19.2% YoY -1.1% QoQ
-$131.0M $255.7M
+1.1% YoY
$3.1B
+1.9% YoY
$3.2B
+10.8% YoY
27%
Total Deposits ? $260.4M
-0.7% YoY +0.9% QoQ
-$67.6M $328.0M
+0.1% YoY
$3.3B
+2.8% YoY
$4.8B
+8.2% YoY
47%
Return on Assets ? 1.40%
+3.9% YoY -6.5% QoQ
+0.13% 1.27%
+12.9% YoY
0.42%
-40.1% YoY
1.23%
+13.4% YoY
62%
Net Interest Margin ? 4.10%
+8.6% YoY +0.9% QoQ
+0.17% 3.93%
+6.0% YoY
3.07%
+6.4% YoY
3.89%
+5.7% YoY
63%
Efficiency Ratio ? 55.97%
+0.3% YoY +7.6% QoQ
-9.31% 65.29%
-4.5% YoY
81.63%
+9.7% YoY
66.95%
-4.1% YoY
71%
Delinquency Rate ? 1.19%
+42.2% YoY +12.7% QoQ
+0.30% 0.89%
+18.8% YoY
0.74%
-28.2% YoY
0.95%
+18.8% YoY
24%
Loan-to-Deposit Ratio ? 47.91%
+20.0% YoY -2.0% QoQ
-28.73% 76.64%
+0.8% YoY
82.02%
-3.5% YoY
76.70%
+0.9% YoY
Top 7.9% in tier
Non-Interest-Bearing Deposit Share ? 19.31%
+8.7% YoY -0.6% QoQ
-2.71% 22.02%
-1.0% YoY
16.85%
-1.4% YoY
22.01%
-1.2% YoY
42%
Nonperforming Asset Ratio ? 0.51%
+68.8% YoY +10.6% QoQ
-0.12% 0.64%
+19.7% YoY
0.57%
-26.7% YoY
0.67%
+19.3% YoY
37%
Tier 1 Capital Ratio ? 9.98%
-53.9% YoY -55.8% QoQ
-5.86% 15.83%
+1.5% YoY
20.47%
+20.0% YoY
17.06%
+0.8% YoY
Bottom 9.5% in tier
Non-Interest Income / Assets ? 0.08%
-5.0% YoY -76.6% QoQ
-0.20% 0.28%
+9.3% YoY
0.39%
-6.4% YoY
0.32%
+4.1% YoY
39%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#75 of 666 • Bottom 11.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.98%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

211
Loan-to-Deposit Ratio
liquidity
Value: 47.91%
Peer Median: 76.64%
#211 of 2664 Top 7.9% in $100M-$1B

Top Weaknesses (2 metrics)

2412
Tier 1 Capital Ratio
capital
Value: 9.98%
Peer Median: 15.83%
#2412 of 2664 Bottom 9.5% in $100M-$1B
2009
Delinquency Rate
credit_quality
Value: 1.19%
Peer Median: 0.89%
#2009 of 2654 Bottom 24.3% in $100M-$1B
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