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Pennsville National Bank, The

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

$281.8MAssets
$131.5MLoans
$251.6MDeposits
$28.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 84% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 5 of 31).
  • Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 26 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

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

Non-interest income vs. expense

$1.0M$7.0MINCOMEEXPENSE
Unfavorable gap of $6.0M · efficiency ratio beats 68% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 55.19%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.50%0.63%0.93%2.39%Beats 65%11 / 31
Return on Equity14.86%4.15%7.07%14.29%Beats 77%7 / 31
Net Interest Margin4.03%2.72%3.26%3.84%Beats 84%5 / 31
Efficiency Ratio55.19%49.04%63.83%80.34%Beats 68%11 / 31
Asset Quality
Nonperforming Loans / Loans1.41%0.00%0.24%1.22%Beats 19%23 / 27
Net Charge-Offs / Loans0.09%n/an/a0.01%Beats 7%26 / 27
Capital
Tier 1 Capital Ratio10.23%13.01%19.43%42.39%Beats 10%28 / 31
Total Risk-Based Capital Ratio10.23%13.95%20.55%43.38%Beats 10%28 / 31
Equity / Assets10.10%9.21%12.36%21.28%Beats 39%19 / 31
Liquidity & Funding
Loans / Deposits52.24%52.41%83.15%99.86%19th pctl25 / 31
Loans / Assets46.65%37.80%67.87%79.23%26th pctl23 / 31
Brokered Deposits / Depositsn/aNot reported for this institution