Pennsville, NJ · Cert 19978 · Penn Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
20
Asset Quality
13
Profitability
75
Liquidity
63
Efficiency
68
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pennsville, NJ · Cert 19978 · Penn Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #49 of 88 inst. · $0.3B of $685.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.03% | 1.34% | 1.45% | 1.44% | 1.49% | 1.40% | 1.48% | +2 bps | |
| Return on Equity | 13.77% | 14.64% | 16.73% | 17.28% | 16.61% | 16.77% | 14.45% | 15.06% | -222 bps | |
| Net Interest Margin | 3.00% | 3.09% | 3.62% | 3.79% | 3.83% | 3.88% | 3.95% | 4.03% | +24 bps | |
| Efficiency Ratio | 62.75% | 59.25% | 55.81% | 51.14% | 51.94% | 52.00% | 55.97% | 55.19% | +405 bps | |
| Non-Interest Burden | 1.76% | 1.69% | 1.87% | 1.77% | 1.82% | 1.85% | 2.07% | 2.07% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.08% | -1.67% | 1.60% | 2.70% | 3.19% | 1.79% | 0.44% | 0.26% | -244 bps | |
| Loan Growth (YoY) | 18.08% | 24.53% | 19.72% | 21.98% | 20.25% | 22.77% | 19.31% | 18.99% | -299 bps | |
| Deposit Growth (YoY) | -4.12% | -3.33% | -0.60% | 0.29% | 1.62% | -0.47% | -0.68% | -0.62% | -91 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.75% | 0.87% | 0.83% | 0.78% | 0.61% | 1.05% | 1.18% | 1.41% | +63 bps | |
| Net Charge-Offs / Loans | 0.18% | 0.22% | 0.95% | 0.60% | 0.47% | 0.41% | 0.12% | 0.10% | -49 bps | |
| Allowance / Loans | 0.98% | 1.12% | 0.95% | 1.09% | 1.04% | 0.97% | 1.02% | 1.02% | -7 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.3x | 1.1x | 1.4x | 1.7x | 0.9x | 0.9x | 0.7x | -0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.74% | 8.87% | 8.97% | 9.28% | 9.58% | 9.79% | 9.98% | 10.23% | +95 bps | |
| Total Risk-Based Capital | 20.99% | 21.30% | 22.51% | 22.97% | 24.23% | 23.57% | 9.98% | 10.23% | -1,275 bps | |
| Equity / Assets | 7.96% | 7.73% | 8.33% | 9.17% | 9.50% | 9.77% | 9.54% | 10.10% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 38.54% | 40.04% | 40.29% | 43.63% | 45.60% | 49.38% | 48.40% | 52.24% | +861 bps | |
| Liquid Assets / Assets | 10.03% | 16.66% | 18.02% | 16.87% | 15.29% | 11.86% | 13.99% | 11.21% | -566 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 33.37% | 50.64% | 52.06% | n/a | n/a | |
Pennsville, NJ · Cert 19978 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · Penn Bancshares Inc.
National charter · OCC · 5 branches
Q2 2026
Return on Assets
1.50%
Rank 11 of 31
Net Interest Margin
4.03%
Rank 5 of 31
Efficiency Ratio
55.19%
Rank 11 of 31
Equity / Assets
10.10%
Rank 19 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.63% | 0.93% | 2.39% | Beats 65% | 11 / 31 | ||
| Return on Equity | 14.86% | 4.15% | 7.07% | 14.29% | Beats 77% | 7 / 31 | ||
| Net Interest Margin | 4.03% | 2.72% | 3.26% | 3.84% | Beats 84% | 5 / 31 | ||
| Efficiency Ratio | 55.19% | 49.04% | 63.83% | 80.34% | Beats 68% | 11 / 31 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.41% | 0.00% | 0.24% | 1.22% | Beats 19% | 23 / 27 | ||
| Net Charge-Offs / Loans | 0.09% | n/a | n/a | 0.01% | Beats 7% | 26 / 27 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.23% | 13.01% | 19.43% | 42.39% | Beats 10% | 28 / 31 | ||
| Total Risk-Based Capital Ratio | 10.23% | 13.95% | 20.55% | 43.38% | Beats 10% | 28 / 31 | ||
| Equity / Assets | 10.10% | 9.21% | 12.36% | 21.28% | Beats 39% | 19 / 31 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.24% | 52.41% | 83.15% | 99.86% | 19th pctl | 25 / 31 | ||
| Loans / Assets | 46.65% | 37.80% | 67.87% | 79.23% | 26th pctl | 23 / 31 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||