PENNCREST BANK

ALTOONA, PA | Small | Est. Jan. 1, 1939, midnight | FDIC #30119 | RSSD #805876 | FDIC
Latest Report: 2025-12-31

PENNCREST BANK is asn small FDIC-insured commercial bank headquartered in ALTOONA, PA, established in Jan. 1, 1939, midnight. As of 2025-12-31, the bank reported total assets of $239M and total deposits of $199M. Profitability stands at 0.36% ROA and 2.87% ROE, with a net interest margin of 3.05%. The bank's CET1 capital ratio is 12.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 2.23%. FDIC Certificate #30119.

Assets

$239M

Deposits

$199M

Loans

$153M

Equity

$30M

Profitability

Return on Assets (ROA) 0.36%
Return on Equity (ROE) 2.87%
Net Interest Margin (NIM) 3.05%
Yield on Assets 4.40%
Cost of Funds 1.43%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.07%
Texas Ratio 2.23%
NPA Ratio 0.28%
ACL / Loans 0.14%

Capital & Liquidity

CET1 Ratio 12.55%
Tier 1 Capital 12.55%
Total Capital Ratio 13.18%
Leverage Ratio 13.85%
Loan-to-Deposit 76.95%

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