BlastPoint

BlastPoint's Banking Scorecard

Pennian Bank

$100M-$1B Specialty: Commercial PA FDIC cert 7613

Mifflintown, PA

13 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 -2.0% year over year ($578.9M on the books).
  • Delinquency rate 1.10%.
  • Return on assets 0.39%.
  • Efficiency ratio 88.75% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.35% 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) →

Pennian Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 2.1% in tier
  • - Credit Risk Growth: Bottom 16.3% in tier
  • - Efficiency Drag: Bottom 39.6% in tier
  • - Return on Assets 0.93% below tier average
  • - Net Interest Margin 0.86% below tier average
Get updates when Pennian 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 ? $667.9M
-1.0% YoY +1.6% QoQ
+$281.4M $386.6M
+1.2% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
Top 14.2% in tier
Total Loans ? $442.0M
+1.2% YoY +4.4% QoQ
+$183.6M $258.3M
+1.7% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $578.9M
-2.0% YoY +1.6% QoQ
+$252.2M $326.7M
+0.7% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Top 13.5% in tier
Return on Assets ? 0.39%
-16.5% YoY +4.2% QoQ
-0.93% 1.32%
+10.8% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 9.6% in tier
Net Interest Margin ? 3.13%
+9.3% YoY +2.1% QoQ
-0.86% 3.99%
+5.0% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 13.8% in tier
Efficiency Ratio ? 88.75%
+1.8% YoY +0.9% QoQ
+24.27% 64.48%
-3.2% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 6.5% in tier
Delinquency Rate ? 1.10%
+50.4% YoY -2.3% QoQ
+0.19% 0.92%
+15.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
26%
Loan-to-Deposit Ratio ? 76.35%
+3.3% YoY +2.8% QoQ
-1.61% 77.95%
+1.0% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 20.12%
+7.2% YoY -1.8% QoQ
-1.91% 22.03%
-0.6% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
46%
Nonperforming Asset Ratio ? 0.73%
+53.6% YoY +0.4% QoQ
+0.06% 0.67%
+16.4% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 15.27%
+1.6% YoY -3.2% QoQ
-0.64% 15.91%
+1.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
68%
Non-Interest Income / Assets ? 0.37%
+7.4% YoY +95.7% QoQ
-0.20% 0.57%
+7.6% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
82%

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 20.1%
+1.4pp YoY
-0.4pp QoQ
 -2.0pp 22.1% 18.7% 22.2% 46%
Brokered Deposits 0.0%
0.0pp YoY
0.0pp QoQ
 -7.9pp 7.9% 6.8% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 14.1%
0.0pp YoY
+0.5pp QoQ
 +2.6pp 11.6% 8.6% 12.5% 73%
CRE 31.5%
-0.3pp YoY
+0.8pp QoQ
 -8.0pp 39.5% 37.9% 41.4% 37%
1-4 Family 40.0%
+0.9pp YoY
-0.7pp QoQ
 +7.4pp 32.6% 47.8% 31.3% 70%
Consumer 0.7%
-0.3pp YoY
-0.1pp QoQ
 -3.4pp 4.1% 3.8% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 15.3%
+0.2pp YoY
-0.5pp QoQ
 -3.6pp 18.8% 22.3% 19.7% 52%
Leverage Ratio 9.2%
+0.4pp YoY
-0.1pp QoQ
 -2.9pp 12.2% 13.2% 12.6% 16%
Total Capital Ratio 16.5%
+0.2pp YoY
-0.5pp QoQ
 -3.4pp 19.9% 23.3% 20.8% 53%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 139
+7 (+5.3%) YoY
+3 (+2.2%) QoQ
 +80 58 299 482 96%
Assets per Employee ($) $4.8M
-5.9% YoY
-0.6% QoQ
 -$2.7M $7.5M $9.2M $8.8M 12%
Branch Count 13
0 YoY
0 QoQ
 +8 4 20 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 13%
Nonaccrual 1.1%
+0.4pp YoY
0.0pp QoQ
 +0.2pp 0.9% 0.9% 1.0% 74%
Allowance Coverage 1.11x
-34.1% YoY
-2.1% QoQ
 -23.04x 24.15x 3.63x 20.23x 30%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 5.3%
-2.0pp YoY
+0.2pp QoQ
 -6.9pp 12.2% 10.2% 11.6% 14%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 45%
Net Income ($, YTD) $1.3M
-17.8% YoY
— QoQ
 -$1.3M $2.6M $18.2M $40.4M 36%

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)

Flatlined Growth

risk
#12 of 529 • Bottom 2.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.39%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#154 of 936 • Bottom 16.3% 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

Efficiency Drag

risk
#144 of 361 • Bottom 39.6% in tier

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

Why this signature
Efficiency Ratio: 88.75%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank declining

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 (4 metrics)

359
Total Deposits
size
Value: $578.89M
Peer Median: $326.73M
#359 of 2643 Top 13.5% in $100M-$1B
376
Total Assets
size
Value: $667.95M
Peer Median: $386.57M
#376 of 2643 Top 14.2% in $100M-$1B
446
Total Loans
size
Value: $441.97M
Peer Median: $258.35M
#446 of 2643 Top 16.8% in $100M-$1B
487
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#487 of 2643 Top 18.4% in $100M-$1B

Top Weaknesses (3 metrics)

2471
Efficiency Ratio
profitability
Value: 88.75%
Peer Median: 64.48%
#2471 of 2643 Bottom 6.5% in $100M-$1B
2390
Return on Assets
profitability
Value: 0.39%
Peer Median: 1.32%
#2390 of 2643 Bottom 9.6% in $100M-$1B
2279
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2279 of 2643 Bottom 13.8% in $100M-$1B
Powered by BlastPoint © 2026