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

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
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