Central Penn Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Central Penn Bank & Trust is an FDIC-insured commercial bank headquartered in Mifflinburg, PA, established in 1872 (FDIC certificate 10685), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.27B, the 38th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10685
- Headquarters
- Mifflinburg, PA
- Established
- 1872
- Total assets, Q2 2026
- $1.27B
- Tier 1 leverage ratio, Q2 2026
- 9.01%
- Domestic offices
- 14 FDIC institution directory, current count
- Routing number
- 031309686
- Holding company
- STEELE BANCORP, INC.
- Asset rank in state
- 38th of 109 in Pennsylvania
Problem loans are rising at Central Penn Bank & Trust. Based in Mifflinburg, Pennsylvania, it had $1.3 billion in assets at June 30, 2026, against $626 million a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.80% of loans from 0.04% a year earlier. It grew its loan book 97.7% over the year, 16.6 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also funds 9.01% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $5.1 million, 180% above the same quarter a year earlier. Delinquency has appeared in its $115 million commercial and industrial book: 0.87% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Central Penn Bank & Trust reported a return on assets of 1.60%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 6.09%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Central Penn Bank & Trust is the 38th largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $1.27B, loans rose 0.8% and deposits rose 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.9% of total loans, followed by non-owner-occupied commercial real estate loans at 21.9%. Its 13 offices in the FDIC Summary of Deposits are in 9 cities in PA; its Mifflinburg office books 28% of its branch deposits. By the capital ratios in its Q2 2026 call report, Central Penn Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 250 E Chestnut St, Mifflinburg, PA 17844
- County
- Union
- Metro Area
- Lewisburg, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1872
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 162
- Domestic deposits
- $1.12B
- Allowance for credit losses
- $9.9M
- Net charge-offs (YTD)
- $47K
- Average total assets
- $1.28B
- Average total loans
- $920.7M
- Average interest-bearing deposits
- $964.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10685
- Fed RSSD
- 779016
- SEC CIK
- 779227 → filed by STEELE BANCORP, INC.
- Website
- www.centralpennbank.com →
- Parent Holding Company
- STEELE BANCORP, INC. (RSSD 1137042) · STLE
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kapsar Jeffrey Joseph | CEO | President & CEO |
| Graver Thomas Clark Jr. | CFO | Chief Financial Officer |
| Eberhart Thomas Leon | COO | Chief Operating Officer |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Central Penn Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Central Penn Bank & Trust's total assets moved between a low of $557.2M (Q1 2024) and a high of $1.27B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.27B total assets against $626.5M; $1.14B total liabilities against $570.3M.
$914.8M net loans and leases against $463.0M; $1.12B total deposits against $514.7M.
$225.1M securities against $106.8M; $51.8M cash and balances due against $27.6M.
$17.5M total interest income against $7.7M; $4.8M total interest expense against $2.7M.
$12.7M net interest income against $5.0M.
$1.7M total noninterest income against $551K; $8.0M total noninterest expense against $3.1M.
$119K provision for credit losses against $155K.
$5.1M net income against $1.8M.
1.60% return on assets against 1.20%; 4.30% net interest margin against 3.47%.
9.01% tier 1 leverage ratio against 9.79%.
Inside the full Central Penn Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Central Penn Bank & Trust rankings
Its closest position to the top of a national ranking is 733 of 3,606, for efficiency ratio; its furthest is 1,101 of 3,611, for ROA.
Banks merged into Central Penn Bank & Trust
- The Northumberland National Bank, effective August 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.59% (Q3 2025) to 1.61% (Q4 2025) and its net interest margin ran from 3.19% (Q3 2024) to 4.34% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.01% | 1.60% | 0.80% | 6.09% | 4.30% |
| Q1 2026 | 8.94% | 1.59% | 0.80% | 6.25% | 4.20% |
| Q4 2025 | 8.56% | 1.61% | 0.41% | 3.25% | 4.34% |
| Q3 2025 | 9.93% | -1.59% | 0.18% | 1.44% | 4.13% |
| Q2 2025 | 9.79% | 1.20% | 0.04% | 0.43% | 3.47% |
| Q1 2025 | 9.79% | 1.18% | 0.08% | 0.74% | 3.34% |
| Q4 2024 | 9.67% | 0.23% | 0.10% | 0.76% | 3.24% |
| Q3 2024 | 10.20% | 1.02% | 0.12% | 0.83% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Central Penn Bank & Trust (main office) | Mifflinburg , PA | 17844 | $319.2M |
| The Northumberland National Bank Branch | Northumberland , PA | 17857 | $167.8M |
| Hummels Wharf Office Branch | Selinsgrove , PA | 17870 | $141.9M |
| Middleburg Branch | Middleburg , PA | 17842 | $100.8M |
| Sunbury Branch | Sunbury , PA | 17801 | $94.7M |
| Lewisburg Branch | Lewisburg , PA | 17837 | $63.6M |
| Hilsher's General Store Office Branch | Port Trevorton , PA | 17864 | $59.8M |
| Millheim Branch Office | Millheim , PA | 16854 | $52.9M |
| Selinsgrove Office | Selinsgrove , PA | 17870 | $52.1M |
| Selinsgrove Branch | Selinsgrove , PA | 17870 | $30.0M |
| Milton Branch Office | Milton , PA | 17847 | $23.7M |
| Downtown Lewisburg Branch | Lewisburg , PA | 17837 | $14.6M |
| Queen Street Branch | Northumberland , PA | 17857 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2025 | Structure Change | Acquired The Northumberland National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in PA, rank 53 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 173 applications, 163 loans originated, $34.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Central Penn Bank & Trust
What are Central Penn Bank & Trust's total assets?
As of the Q2 2026 filing, Central Penn Bank & Trust reported total assets of $1.27 billion in its FFIEC call report.
Where is Central Penn Bank & Trust headquartered?
It is headquartered in Mifflinburg, PA, United States.
When was Central Penn Bank & Trust founded?
It was established in 1872, per the FDIC institution directory.
Is Central Penn Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Central Penn Bank & Trust?
Central Penn Bank & Trust's primary federal regulator is the FDIC.
How many branches does Central Penn Bank & Trust operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Central Penn Bank & Trust's Texas Ratio?
Its Texas Ratio is 6.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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