PENNSVILLE NATIONAL BANK, THE

PENNSVILLE, NJ | Small | Est. June 23, 1969, midnight | FDIC #19978 | RSSD #828110 | OCC
Latest Report: 2025-12-31

PENNSVILLE NATIONAL BANK, THE is asn small FDIC-insured commercial bank headquartered in PENNSVILLE, NJ, established in June 23, 1969, midnight. As of 2025-12-31, the bank reported total assets of $288M and total deposits of $258M. Profitability stands at 1.65% ROA and 17.13% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 22.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.03% and a Texas Ratio of 4.47%. FDIC Certificate #19978.

Assets

$288M

Deposits

$258M

Loans

$127M

Equity

$28M

Profitability

Return on Assets (ROA) 1.65%
Return on Equity (ROE) 17.13%
Net Interest Margin (NIM) 4.51%
Yield on Assets 4.84%
Cost of Funds 0.33%

Asset Quality

NPL Ratio 1.03%
Net Charge-Off Ratio 0.41%
Texas Ratio 4.47%
NPA Ratio 0.46%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 22.57%
Tier 1 Capital 22.57%
Total Capital Ratio 23.57%
Leverage Ratio 9.79%
Loan-to-Deposit 49.38%

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