Pennian Bank
Mifflintown, PA · Cert 7613 · Peer group: banks under $1B in assets (n=570-617) · First Community Financial Corp.
State charter, non-member · FDIC · 11 branches
Q2 2026
$667.9MAssets
$447.4MLoans
$578.9MDeposits
$49.8MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 64% of banks under $1B in assets (rank 220 of 617).
- Widest gap: equity / assets trails 93% of banks under $1B in assets (rank 573 of 617).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.39%
Rank 517 of 617
Net Interest Margin
2.83%
Rank 515 of 617
Efficiency Ratio
88.75%
Rank 533 of 617
Equity / Assets
7.45%
Rank 573 of 617
Non-interest income vs. expense
Unfavorable gap of $16.6M · efficiency ratio beats 14% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.60% | 1.01% | 1.45% | Beats 16% | 517 / 617 | |
| Return on Equity | 5.22% | 5.30% | 9.43% | 13.30% | Beats 24% | 467 / 617 | |
| Net Interest Margin | 2.83% | 3.04% | 3.54% | 4.05% | Beats 17% | 515 / 617 | |
| Efficiency Ratio | 88.75% | 58.03% | 67.76% | 79.08% | Beats 14% | 533 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.09% | 0.47% | 1.27% | Beats 29% | 408 / 570 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 46% | 309 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 15.27% | 11.18% | 13.83% | 18.55% | Beats 62% | 236 / 617 | |
| Total Risk-Based Capital Ratio | 16.52% | 11.56% | 14.39% | 19.39% | Beats 64% | 220 / 617 | |
| Equity / Assets | 7.45% | 9.03% | 10.55% | 13.63% | Beats 7% | 573 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 77.28% | 64.77% | 79.70% | 93.06% | 46th pctl | 313 / 582 | |
| Loans / Assets | 66.98% | 51.70% | 67.18% | 77.51% | 50th pctl | 311 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |