No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.07B | $2.46B | $2.21B | $335.9M | $8.8M | 0.58% | 2.74% | 0.43% |
| Q1 2026 | $3.02B | $2.43B | $2.13B | $331.3M | $4.7M | 0.62% | 2.68% | 0.40% |
| Q4 2025 | $3.03B | $2.42B | $2.09B | $328.0M | $11.7M | 0.39% | 2.48% | 0.37% |
| Q3 2025 | $3.00B | $2.39B | $2.16B | $319.0M | $7.0M | 0.32% | 2.40% | 0.40% |
| Q2 2025 | $3.00B | $2.41B | $2.05B | $308.4M | $4.2M | 0.28% | 2.29% | 0.10% |
| Q1 2025 | $2.90B | $2.30B | $1.98B | $301.3M | $1.4M | 0.19% | 2.18% | 0.10% |
| Q4 2024 | $2.93B | $2.31B | $1.90B | $291.3M | $8.3M | 0.28% | 2.19% | 0.06% |
| Q3 2024 | $2.94B | $2.27B | $1.91B | $306.9M | $8.5M | 0.39% | 2.22% | 0.06% |
Loan mix (Q2 2026): real estate $2.05B · commercial $149.8M · consumer $1.5M · securities $571.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Penn Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 1.26% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 59.0% | 83th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Penn Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Penn Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Penn Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Penn Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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