Central Penn Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Central Penn Bank & Trust of Mifflinburg, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.60% | 1.46% | +0.14% | 71st above |
| ROAE | 16.55% | 12.71% | +3.84% | 79th top |
| Net Interest Margin | 4.30% | 3.85% | +0.45% | 82nd top |
| Efficiency Ratio | 49.28% | 57.41% | -8.13% | 76th top |
| PPNR / Avg Assets | 2.01% | 1.88% | +0.13% | 69th above |
| Yield on Earning Assets | 5.88% | 5.72% | +0.16% | 70th above |
| Cost of Funds | 1.60% | 2.02% | -0.42% | 76th top |
| Net Interest Spread | 3.76% | 3.18% | +0.58% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.39% | 1.00% | +0.39% | 21st bottom |
| NPA / Total Assets | 1.01% | 0.76% | +0.25% | 24th bottom |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 58th above |
| ACL / Total Loans | 1.07% | 1.31% | -0.24% | 40th below |
| ACL / NPLs (Coverage) | 77.39% | 543.59% | -466.20% | 19th bottom |
| Texas Ratio | 10.61% | 7.39% | +3.22% | 22nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 165.96% | 618.86% | -452.90% | 52nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.01% | 11.44% | -2.43% | 12th bottom |
| Equity / Assets | 9.82% | 11.34% | -1.52% | 39th below |
| TCE / Tangible Assets | 8.86% | 10.50% | -1.64% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.48% | 86.96% | -4.48% | 65th above |
| Core Deposit Ratio | 91.63% | 85.55% | +6.08% | 66th above |
| Wholesale Funding Ratio | 0.45% | 5.71% | -5.26% | 88th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 102.20% | 9.64% | +92.56% | 100th top |
| Loan Growth (Y/Y) | 97.75% | 8.01% | +89.74% | 99th top |
| Deposit Growth (Y/Y) | 117.83% | 7.82% | +110.01% | 100th top |
See Central Penn Bank & Trust's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Central Penn Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Central Penn Bank & Trust profile, how to read a UBPR, or how this data updates.