PENNIAN BANK

MIFFLINTOWN, PA | Medium | Est. April 19, 1889, midnight | FDIC #7613 | RSSD #212018 | FDIC
Latest Report: 2025-12-31

PENNIAN BANK is amn medium FDIC-insured commercial bank headquartered in MIFFLINTOWN, PA, established in April 19, 1889, midnight. As of 2025-12-31, the bank reported total assets of $662M and total deposits of $574M. Profitability stands at 0.51% ROA and 6.92% ROE, with a net interest margin of 3.61%. The bank's CET1 capital ratio is 15.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.12% and a Texas Ratio of 8.90%. FDIC Certificate #7613.

Assets

$662M

Deposits

$574M

Loans

$434M

Equity

$49M

Profitability

Return on Assets (ROA) 0.51%
Return on Equity (ROE) 6.92%
Net Interest Margin (NIM) 3.61%
Yield on Assets 5.39%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 1.12%
Net Charge-Off Ratio 0.37%
Texas Ratio 8.90%
NPA Ratio 0.73%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 15.47%
Tier 1 Capital 15.47%
Total Capital Ratio 16.73%
Leverage Ratio 8.92%
Loan-to-Deposit 75.67%

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