Penn Community Bank
Doylestown, PA · Cert 30401 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Penn Cmty Mutual Holdings Inc.
SI · FDIC · 22 branches
Q2 2026
$3.1BAssets
$2.2BLoans
$2.5BDeposits
$335.9MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 82% of banks $1B-$10B in assets operating in a single state (rank 46 of 258).
- Widest gap: net interest margin trails 93% of banks $1B-$10B in assets operating in a single state (rank 241 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.57%
Rank 234 of 258
Net Interest Margin
2.51%
Rank 241 of 258
Efficiency Ratio
72.57%
Rank 207 of 257
Equity / Assets
10.94%
Rank 98 of 258
Non-interest income vs. expense
Unfavorable gap of $54.3M · efficiency ratio beats 20% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.93% | 1.23% | 1.54% | Beats 9% | 234 / 258 | | |
| Return on Equity | 5.25% | 9.26% | 11.84% | 14.74% | Beats 7% | 240 / 258 | | |
| Net Interest Margin | 2.51% | 3.16% | 3.49% | 3.88% | Beats 7% | 241 / 258 | | |
| Efficiency Ratio | 72.57% | 51.71% | 60.30% | 69.65% | Beats 20% | 207 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.19% | 0.46% | 0.90% | Beats 38% | 161 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 56% | 115 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 16.17% | 11.41% | 12.98% | 15.12% | Beats 81% | 48 / 258 | | |
| Total Risk-Based Capital Ratio | 17.19% | 12.10% | 13.91% | 16.08% | Beats 82% | 46 / 258 | | |
| Equity / Assets | 10.94% | 9.09% | 10.24% | 11.72% | Beats 62% | 98 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.31% | 73.24% | 86.34% | 95.95% | 60th pctl | 102 / 258 | | |
| Loans / Assets | 72.52% | 63.01% | 72.27% | 78.40% | 51st pctl | 126 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |