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William Penn Bank

Levittown, PA · Cert 27799 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=32-36)

FDIC · 13 branches

Q1 2025

$766.1MAssets
$441.9MLoans
$623.5MDeposits
$122.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 18 of 32).
  • Widest gap: net interest margin trails 89% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 32 of 36).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.02%

Rank 31 of 36

Net Interest Margin

2.25%

Rank 32 of 36

Efficiency Ratio

103.88%

Rank 31 of 36

Equity / Assets

16.01%

Rank 13 of 36

Non-interest income vs. expense

$2.3M$20.8MINCOMEEXPENSE
Unfavorable gap of $18.5M · efficiency ratio beats 17% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 103.88%Peer median 72.8%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.02%0.29%0.74%2.39%Beats 14%31 / 36
Return on Equity-0.10%2.63%4.98%13.21%Beats 14%31 / 36
Net Interest Margin2.25%2.73%3.10%3.35%Beats 11%32 / 36
Efficiency Ratio103.88%57.61%72.85%87.85%Beats 17%31 / 36
Asset Quality
Nonperforming Loans / Loans0.68%0.06%0.34%0.80%Beats 34%22 / 32
Net Charge-Offs / Loans0.00%n/an/a0.01%Beats 100%18 / 32
Capital
Tier 1 Capital Ratio17.11%12.96%18.80%28.61%Beats 42%21 / 36
Total Risk-Based Capital Ratio17.11%13.92%19.85%29.72%Beats 39%22 / 36
Equity / Assets16.01%8.75%11.22%19.74%Beats 64%13 / 36
Liquidity & Funding
Loans / Deposits70.87%59.52%83.19%97.66%33rd pctl24 / 36
Loans / Assets57.68%56.87%72.81%80.21%28th pctl23 / 32
Brokered Deposits / Depositsn/aNot reported for this institution