Central Penn Bank & Trust
Mifflinburg, PA · Cert 10685 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Steele Bcorp Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
$1.3BAssets
$924.7MLoans
$1.1BDeposits
$124.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks $1B-$10B in assets operating in a single state (rank 41 of 258).
- Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets operating in a single state (rank 258 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.60%
Rank 55 of 258
Net Interest Margin
3.95%
Rank 55 of 258
Efficiency Ratio
56.34%
Rank 101 of 257
Equity / Assets
9.82%
Rank 148 of 258
Non-interest income vs. expense
Unfavorable gap of $25.2M · efficiency ratio beats 61% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.60% | 0.93% | 1.23% | 1.54% | Beats 79% | 55 / 258 | | |
| Return on Equity | 16.25% | 9.26% | 11.84% | 14.74% | Beats 84% | 41 / 258 | | |
| Net Interest Margin | 3.95% | 3.16% | 3.49% | 3.88% | Beats 79% | 55 / 258 | | |
| Efficiency Ratio | 56.34% | 51.71% | 60.30% | 69.65% | Beats 61% | 101 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.19% | 0.46% | 0.90% | Beats 28% | 186 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 78% | 60 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 9.01% | 11.41% | 12.98% | 15.12% | Beats 0% | 258 / 258 | | |
| Total Risk-Based Capital Ratio | 9.01% | 12.10% | 13.91% | 16.08% | Beats 0% | 258 / 258 | | |
| Equity / Assets | 9.82% | 9.09% | 10.24% | 11.72% | Beats 43% | 148 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 82.48% | 73.24% | 86.34% | 95.95% | 40th pctl | 155 / 258 | | |
| Loans / Assets | 73.00% | 63.01% | 72.27% | 78.40% | 52nd pctl | 123 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |