BlastPoint's Banking Scorecard
Penn Community Bank
Designations: ✓ Community bank
Doylestown, PA
22 branches across PA
Penn Community Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.37% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 47.7% in tier
- - Net Interest Margin 1.14% below tier average
- - ROA 0.75% below tier average
- - Efficiency Ratio 11.03% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+4.2% YoY
-0.3% QoQ
|
+$203.7M |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$2.1B
+7.8% YoY
+1.8% QoQ
|
+$166.1M |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$2.4B
+5.4% YoY
+0.3% QoQ
|
+$85.1M |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
0.62%
+230.7% YoY
+57.6% QoQ
|
-0.75% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.2% in tier |
| Net Interest Margin ? |
2.68%
+23.1% YoY
+8.1% QoQ
|
-1.14% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio ? |
72.09%
-13.4% YoY
-6.9% QoQ
|
+11.03% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
0.52%
+268.5% YoY
+5.9% QoQ
|
-0.37% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
87.75%
+2.3% YoY
+1.5% QoQ
|
+3.55% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
12.49%
+3.6% YoY
-0.6% QoQ
|
-8.80% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.40%
+311.0% YoY
+7.5% QoQ
|
-0.28% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
16.48%
-4.2% YoY
-0.4% QoQ
|
+1.32% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.08%
+1.1% YoY
-74.6% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
24% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.