Penncrest Bank
Altoona, PA · Cert 30119 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 8 branches
Q2 2026
$247.1MAssets
$156.4MLoans
$210.0MDeposits
$30.2MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 69% of banks under $1B in assets operating in a single state (rank 229 of 746).
- Widest gap: net interest margin trails 89% of banks under $1B in assets operating in a single state (rank 667 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.46%
Rank 638 of 746
Net Interest Margin
2.78%
Rank 667 of 746
Efficiency Ratio
81.56%
Rank 635 of 746
Equity / Assets
12.20%
Rank 229 of 746
Non-interest income vs. expense
Unfavorable gap of $5.5M · efficiency ratio beats 15% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.72% | 1.06% | 1.45% | Beats 14% | 638 / 746 | |
| Return on Equity | 3.79% | 6.74% | 10.51% | 13.63% | Beats 13% | 647 / 746 | |
| Net Interest Margin | 2.78% | 3.17% | 3.68% | 4.16% | Beats 11% | 667 / 746 | |
| Efficiency Ratio | 81.56% | 55.74% | 64.58% | 75.47% | Beats 15% | 635 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.09% | 0.42% | 1.07% | Beats 45% | 408 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 49% | 382 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.48% | 11.55% | 13.75% | 17.60% | Beats 47% | 398 / 746 | |
| Total Risk-Based Capital Ratio | 13.48% | 11.71% | 14.33% | 18.43% | Beats 42% | 434 / 746 | |
| Equity / Assets | 12.20% | 8.90% | 10.51% | 13.06% | Beats 69% | 229 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 74.48% | 61.31% | 78.27% | 90.78% | 44th pctl | 421 / 746 | |
| Loans / Assets | 63.30% | 53.60% | 66.97% | 76.08% | 41st pctl | 437 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |