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Penn Community Bank

$1B-$10B Specialty: Commercial PA FDIC cert 30401

Designations: ✓ Community bank

Doylestown, PA

22 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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits +2.2% year over year ($2.5B on the books).
  • Delinquency rate 0.56%.
  • Return on assets 0.58%.
  • Efficiency ratio 72.57% vs a 59.73% peer average.
  • Loan-to-deposit ratio 89.46% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Penn Community Bank has 1 strength but faces 4 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 0.30% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 47.1% in tier
  • - Return on Assets 0.81% below tier average
  • - Net Interest Margin 1.14% below tier average
  • - Efficiency Ratio 12.84% above tier average
Get updates when Penn Community 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 ? $3.1B
+2.4% YoY +1.7% QoQ
+$276.3M $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $2.2B
+7.4% YoY +3.5% QoQ
+$242.0M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $2.5B
+2.2% YoY +1.5% QoQ
+$146.1M $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
69%
Return on Assets ? 0.58%
+105.5% YoY -6.4% QoQ
-0.81% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 9.3% in tier
Net Interest Margin ? 2.74%
+19.3% YoY +2.0% QoQ
-1.14% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 7.6% in tier
Efficiency Ratio ? 72.57%
-10.4% YoY +0.7% QoQ
+12.84% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.56%
+297.5% YoY +8.0% QoQ
-0.30% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 89.46%
+5.0% YoY +2.0% QoQ
+4.43% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
43%
Non-Interest-Bearing Deposit Share ? 12.82%
+4.1% YoY +2.6% QoQ
-8.45% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
18%
Nonperforming Asset Ratio ? 0.43%
+345.8% YoY +9.1% QoQ
-0.24% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 16.17%
-3.8% YoY -1.9% QoQ
+1.33% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.14%
-6.8% YoY +75.2% QoQ
-0.38% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
18%

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 12.8%
+0.5pp YoY
+0.3pp QoQ
 -8.5pp 21.4% 18.7% 22.2% 18%
Brokered Deposits 2.5%
-0.6pp YoY
-0.8pp QoQ
 -7.0pp 9.5% 6.8% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 6.8%
+1.9pp YoY
+0.3pp QoQ
 -7.2pp 14.0% 8.6% 12.5% 27%
CRE 52.7%
+0.2pp YoY
+0.2pp QoQ
 +2.7pp 50.0% 37.9% 41.4% 59%
1-4 Family 40.1%
-2.0pp YoY
-0.6pp QoQ
 +13.7pp 26.4% 47.8% 31.3% 82%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.6pp 4.7% 3.8% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 16.2%
-0.6pp YoY
-0.3pp QoQ
 +0.6pp 15.6% 22.3% 19.7% 78%
Leverage Ratio 12.7%
+0.2pp YoY
0.0pp QoQ
 +1.4pp 11.3% 13.2% 12.6% 82%
Total Capital Ratio 17.2%
-0.6pp YoY
-0.3pp QoQ
 +0.5pp 16.7% 23.3% 20.8% 78%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 306
-16 (-5.0%) YoY
-5 (-1.6%) QoQ
 -8 313 299 482 66%
Assets per Employee ($) $10.0M
+7.8% YoY
+3.3% QoQ
 -$450K $10.5M $9.2M $8.8M 66%
Branch Count 22
0 YoY
0 QoQ
 +2 20 20 18 70%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.2% 0.4% 4%
Nonaccrual 0.6%
+0.4pp YoY
0.0pp QoQ
 -0.3pp 0.8% 0.9% 1.0% 54%
Allowance Coverage 1.68x
-74.5% YoY
-8.1% QoQ
 -17.03x 18.71x 3.63x 20.23x 42%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 5.3%
+2.5pp YoY
-0.4pp QoQ
 -7.3pp 12.6% 10.2% 11.6% 9%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.8% 1.7% 67%
Net Income ($, YTD) $8.8M
+112.2% YoY
— QoQ
 -$10.4M $19.2M $18.2M $40.4M 33%

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)

Liquidity Overhang

risk
#82 of 172 • Bottom 47.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 16.17%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 89.46%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

170
Tier 1 Capital Ratio
capital
Value: 16.17%
Peer Median: 14.84%
#170 of 885 Top 19.1% in $1B-$10B

Top Weaknesses (5 metrics)

819
Net Interest Margin
profitability
Value: 2.74%
Peer Median: 3.87%
#819 of 885 Bottom 7.6% in $1B-$10B
804
Return on Assets
profitability
Value: 0.58%
Peer Median: 1.39%
#804 of 885 Bottom 9.3% in $1B-$10B
736
Efficiency Ratio
profitability
Value: 72.57%
Peer Median: 59.73%
#736 of 885 Bottom 16.9% in $1B-$10B
727
Non-Interest Income / Assets
revenue_mix
Value: 0.14%
Peer Median: 0.53%
#727 of 885 Bottom 18.0% in $1B-$10B
726
Non-Interest-Bearing Deposit Share
funding
Value: 12.82%
Peer Median: 21.27%
#726 of 885 Bottom 18.1% in $1B-$10B
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