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Pennsville National Bank, The

Pennsville, NJ · Cert 19978 · Penn Bancshares Inc.

National charter · OCC · 5 branches

Q2 2026

$281.8MAssets
$131.5MLoans
$251.6MDeposits
$28.5MEquity
Loan mix
76%RE $76.5M11%C&I $11.0M13%Consumer $13.5MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $198.8M21%Noninterest $52.9MQ2 2025Q2 2026

NIM

3.60%Q2 ’244.20%Q2 ’254.26%Q2 ’26+29%+6%

Non-interest income vs. expense

2.07%Q2 ’242.11%Q2 ’252.41%Q2 ’26+1%+17%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.0% share · #49 of 88 inst. · $0.3B of $685.1B

Executive Summary

  • Earnings: ROA of 1.48%, up 2 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 1.41% of loans (+63 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.23%, up 95 bps from a year ago.
  • Funding: loans stand at 52.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+24 bps YoY

Efficiency Ratio (YTD, annualized)

55.19%+405 bps YoY

Tier 1 Leverage Ratio

10.23%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.45%1.44%1.49%1.40%1.48%+2 bps
Return on Equity17.28%16.61%16.77%14.45%15.06%-222 bps
Net Interest Margin3.79%3.83%3.88%3.95%4.03%+24 bps
Efficiency Ratio51.14%51.94%52.00%55.97%55.19%+405 bps
Non-Interest Burden1.77%1.82%1.85%2.07%2.07%+30 bps
Growth
Asset Growth (YoY)2.70%3.19%1.79%0.44%0.26%-244 bps
Loan Growth (YoY)21.98%20.25%22.77%19.31%18.99%-299 bps
Deposit Growth (YoY)0.29%1.62%-0.47%-0.68%-0.62%-91 bps
Asset Quality
Nonperforming Loans / Loans0.78%0.61%1.05%1.18%1.41%+63 bps
Net Charge-Offs / Loans0.60%0.47%0.41%0.12%0.10%-49 bps
Allowance / Loans1.09%1.04%0.97%1.02%1.02%-7 bps
Allowance Coverage of NPLs1.4x1.7x0.9x0.9x0.7x-0.7x
Capital
Tier 1 Leverage Ratio9.28%9.58%9.79%9.98%10.23%+95 bps
Total Risk-Based Capital22.97%24.23%23.57%9.98%10.23%-1,275 bps
Equity / Assets9.17%9.50%9.77%9.54%10.10%+93 bps
Liquidity & Funding
Loans / Deposits43.63%45.60%49.38%48.40%52.24%+861 bps
Liquid Assets / Assets16.87%15.29%11.86%13.99%11.21%-566 bps
CRE / Total Capitaln/a33.37%50.64%52.06%n/an/a