Pennian Bank
Mifflintown, PA · Cert 7613 · Peer group: banks under $1B in assets (n=581-629) · 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 226 of 629).
- Widest gap: equity / assets trails 93% of banks under $1B in assets (rank 584 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.39%
Rank 529 of 629
Net Interest Margin
2.83%
Rank 522 of 629
Efficiency Ratio
88.75%
Rank 546 of 629
Equity / Assets
7.45%
Rank 584 of 629
Non-interest income vs. expense
Unfavorable gap of $16.6M · efficiency ratio beats 13% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.60% | 1.01% | 1.45% | Beats 16% | 529 / 629 | | |
| Return on Equity | 5.22% | 5.38% | 9.30% | 13.28% | Beats 24% | 478 / 629 | | |
| Net Interest Margin | 2.83% | 3.03% | 3.54% | 4.05% | Beats 17% | 522 / 629 | | |
| Efficiency Ratio | 88.75% | 58.35% | 67.79% | 79.08% | Beats 13% | 546 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.09% | 0.46% | 1.20% | Beats 28% | 420 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 48% | 303 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 15.27% | 11.24% | 13.84% | 18.77% | Beats 62% | 241 / 629 | | |
| Total Risk-Based Capital Ratio | 16.52% | 11.58% | 14.43% | 19.66% | Beats 64% | 226 / 629 | | |
| Equity / Assets | 7.45% | 9.09% | 10.65% | 13.80% | Beats 7% | 584 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.28% | 67.24% | 80.90% | 93.48% | 45th pctl | 328 / 594 | | |
| Loans / Assets | 66.98% | 53.31% | 67.71% | 78.15% | 48th pctl | 328 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |