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PennCrest Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 30119

Designations: ✓ Mutual

Altoona, PA

8 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 55 in PA.
  • Deposits +5.3% year over year ($210.0M on the books).
  • Delinquency rate 0.50%.
  • Return on assets 0.47%.
  • Efficiency ratio 80.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 55 in PA
View $100M-$1B leaderboard (PA) →

PennCrest Bank has 1 strength but faces 5 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

  • + Delinquency Rate 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 6.3% in tier
  • - Credit Quality Pressure: Bottom 25.1% in tier
  • - Efficiency Drag: Bottom 28.0% in tier
  • - ROA 0.85% below tier average
  • - Net Interest Margin 0.91% below tier average
Get updates when PennCrest Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $247.1M
+5.6% YoY +1.7% QoQ
-$139.4M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $156.2M
+3.2% YoY +1.9% QoQ
-$102.2M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $210.0M
+5.3% YoY +1.6% QoQ
-$116.7M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 0.47%
+23.0% YoY +22.0% QoQ
-0.85% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 11.4% in tier
Net Interest Margin ? 3.07%
+5.2% YoY +2.2% QoQ
-0.91% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 11.8% in tier
Efficiency Ratio ? 80.93%
-4.6% YoY -5.1% QoQ
+16.45% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 12.6% in tier
Delinquency Rate ? 0.50%
+11.5% YoY +3.9% QoQ
-0.42% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
46%
Loan-to-Deposit Ratio ? 74.36%
-2.0% YoY +0.3% QoQ
-3.59% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 28.65%
+5.3% YoY +1.2% QoQ
+6.62% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.32%
+9.0% YoY +4.1% QoQ
-0.35% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 13.48%
-1.7% YoY -1.7% QoQ
-2.43% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.25%
-2.5% YoY +106.2% QoQ
-0.31% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
64%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 28.6%
+1.4pp YoY
+0.4pp QoQ
 +6.5pp 22.1% 18.7% 22.2% 78%
Brokered Deposits n/a n/a 7.9% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 0.2%
0.0pp YoY
0.0pp QoQ
 -11.3pp 11.6% 8.6% 12.5% 1%
CRE 5.8%
+1.6pp YoY
+0.8pp QoQ
 -33.7pp 39.5% 37.9% 41.4% 1%
1-4 Family 86.7%
-0.7pp YoY
-0.6pp QoQ
 +54.0pp 32.6% 47.8% 31.3% 98%
Consumer 7.4%
-1.0pp YoY
-0.2pp QoQ
 +3.3pp 4.1% 3.8% 5.0% 87%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.3% 19.7% n/a
Leverage Ratio 13.5%
-0.2pp YoY
-0.2pp QoQ
 +1.3pp 12.2% 13.2% 12.6% 78%
Total Capital Ratio n/a n/a 19.9% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 49
-1 (-2.0%) YoY
0 QoQ
 -10 58 299 482 52%
Assets per Employee ($) $5.0M
+7.7% YoY
+1.7% QoQ
 -$2.5M $7.5M $9.2M $8.8M 15%
Branch Count 8
0 YoY
0 QoQ
 +3 4 20 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 56%
Nonaccrual 0.4%
0.0pp YoY
-0.1pp QoQ
 -0.6pp 0.9% 0.9% 1.0% 44%
Allowance Coverage 0.33x
-19.9% YoY
+14.1% QoQ
 -23.82x 24.15x 3.63x 20.23x 4%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
 -0.1pp 0.1% 0.1% 0.2% 40%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 3.8%
+0.6pp YoY
+0.7pp QoQ
 -8.4pp 12.2% 10.2% 11.6% 10%
Cost of Funds (YTD) 1.3%
0.0pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 22%
Net Income ($, YTD) $571,000
+29.5% YoY
— QoQ
 -$2.0M $2.6M $18.2M $40.4M 12%

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 (3)

Credit Risk Growth

risk
#60 of 936 • Bottom 6.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk
#316 of 1256 • Bottom 25.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.50%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Efficiency Drag

risk
#102 of 361 • Bottom 28.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.93%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

581
Non-Interest-Bearing Deposit Share
funding
Value: 28.65%
Peer Median: 22.03%
#581 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (3 metrics)

2343
Return on Assets
profitability
Value: 0.47%
Peer Median: 1.32%
#2343 of 2643 Bottom 11.4% in $100M-$1B
2332
Net Interest Margin
profitability
Value: 3.07%
Peer Median: 3.99%
#2332 of 2643 Bottom 11.8% in $100M-$1B
2310
Efficiency Ratio
profitability
Value: 80.93%
Peer Median: 64.48%
#2310 of 2643 Bottom 12.6% in $100M-$1B
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