Penn Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Penn Community Bank is an FDIC-insured savings bank headquartered in Doylestown, PA, established in 1922 (FDIC certificate 30401), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.07B, up 2.4% from Q2 2025, the 19th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 16.17% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30401
- Headquarters
- Doylestown, PA
- Established
- 1922
- Total assets, Q2 2026
- $3.07B
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 16.17%
- Domestic offices
- 22 FDIC institution directory, current count
- Routing number
- 231373182
- Latest call report
- Q2 2026, FFIEC 041 · Penn Community Bank call report
- Holding company
- PENN COMMUNITY FINANCIAL CORPORATION
- Asset rank in state
- 19th of 109 in Pennsylvania
Problem loans are rising at Penn Community Bank. Based in Doylestown, Pennsylvania, it had $3.1 billion in assets at June 30, 2026, up 2.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.56% of loans from 0.14% a year earlier. It earns about $0.53 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also keeps 2.72 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $4.1 million, 48% above the same quarter a year earlier. Delinquency has appeared in its $305 million non-owner-occupied commercial real estate book: 3.11% of those loans are past due or on nonaccrual, against almost none a year earlier. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Penn Community Bank reported a CET1 capital ratio of 16.17%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 3.76%. The figures come from its call report filed with the FFIEC.
Penn Community Bank ranks as the 19th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.7% to $3.07B, loans rose 3.5% and deposits rose 1.5%. 1-4 family residential loans made up 39.8% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 21.0%. The FDIC Summary of Deposits lists 22 offices for it, in 19 cities in PA; its Perkasie 2 offices book 11% of its branch deposits. By the capital ratios in its Q2 2026 call report, Penn Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3969 Durham Rd, Doylestown, PA 18902
- County
- Bucks
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1922
- Former names
- First Savings Bank of Perkasie (2008-2018)
- Domestic offices
- 22 FDIC institution directory, current count
- Employees (FTE)
- 306
- Domestic deposits
- $2.46B
- Allowance for credit losses
- $20.9M
- Net charge-offs (YTD)
- $282K
- Average total assets
- $3.11B
- Average total loans
- $2.17B
- Average interest-bearing deposits
- $2.14B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30401
- Fed RSSD
- 328777
- Website
- www.penncommunitybank.com →
- Parent Holding Company
- PENN COMMUNITY FINANCIAL CORPORATION (RSSD 3198515)
- Ultimate Parent
- PENN COMMUNITY MUTUAL HOLDINGS INC (RSSD 3200463)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Penn Community Bank's total assets moved between a low of $2.83B (Q3 2023) and a high of $3.07B (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
$3.07B total assets against $3.00B; $2.73B total liabilities against $2.69B.
$2.21B net loans and leases against $2.05B; $2.46B total deposits against $2.41B.
$571.2M securities against $608.5M; $127.5M cash and balances due against $166.1M.
$35.2M total interest income against $33.6M; $15.2M total interest expense against $16.9M.
$20.0M net interest income against $16.7M.
$1.9M total noninterest income against $2.3M; $16.0M total noninterest expense against $15.0M.
$902K provision for credit losses against $759K.
$4.1M net income against $2.8M.
0.53% return on assets against 0.37%; 2.72% net interest margin against 2.34%.
16.17% CET1 capital ratio against 16.81%; 12.68% tier 1 leverage ratio against 12.45%.
Inside the full Penn Community Bank 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.
Penn Community Bank rankings
Its closest position to the top of a national ranking is 407 of 4,196, for total assets; its furthest is 3,213 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.03% (Q4 2024) to 0.61% (Q1 2026) and its net interest margin ran from 1.99% (Q4 2024) to 2.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.17% | 0.53% | 0.56% | 3.76% | 2.72% |
| Q1 2026 | 16.48% | 0.61% | 0.52% | 3.44% | 2.62% |
| Q4 2025 | 16.55% | 0.60% | 0.49% | 3.24% | 2.62% |
| Q3 2025 | 15.99% | 0.37% | 0.56% | 3.59% | 2.51% |
| Q2 2025 | 16.81% | 0.37% | 0.14% | 0.90% | 2.34% |
| Q1 2025 | 17.20% | 0.18% | 0.14% | 0.88% | 2.11% |
| Q4 2024 | 17.63% | -0.03% | 0.09% | 0.56% | 1.99% |
| Q3 2024 | 17.56% | 0.27% | 0.10% | 0.58% | 2.06% |
Swipe the table sideways to see every column.
Branch Network
View all 22 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 |
|---|---|---|---|
| Bensalem Branch | Bensalem , PA | 19020 | $194.2M |
| Quakertown Branch | Quakertown , PA | 18951 | $184.3M |
| Lower Makefield Branch | Yardley , PA | 19067 | $172.1M |
| Riegelsville Branch | Riegelsville , PA | 18077 | $154.3M |
| Market Street Branch | Perkasie , PA | 18944 | $145.8M |
| Newtown Branch | Newtown , PA | 18940 | $145.1M |
| Highland Park Branch | Levittown , PA | 19056 | $138.6M |
| Bristol Branch | Bristol , PA | 19007 | $137.5M |
| Fifth Street Branch | Perkasie , PA | 18944 | $131.5M |
| Pipersville Branch | Pipersville , PA | 18947 | $123.6M |
| Doylestown Branch | Doylestown , PA | 18901 | $119.0M |
| Levittown Branch | Levittown , PA | 19054 | $118.5M |
| New Hope Branch | New Hope , PA | 18938 | $104.3M |
| Penn Community Bank (main office) | Doylestown , PA | 18902 | $88.4M |
| Dublin Branch | Dublin , PA | 18917 | $85.7M |
| Fairway Branch Office | Jenkintown , PA | 19046 | $73.2M |
| Penn Community Bank, Warminster Office | Warminster , PA | 18974 | $72.6M |
| Southampton Branch | Southampton , PA | 18966 | $69.2M |
| Lansdale Branch Office | Lansdale , PA | 19446 | $68.8M |
| New Britain Branch | New Britain , PA | 18901 | $60.5M |
| Allentown Branch | Allentown , PA | 18104 | $55.4M |
| Bethlehem Branch | Bethlehem , PA | 18017 | $22.1M |
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 |
|---|---|---|---|
| October 2, 2017 | Structure Change | Acquired Chelten Hills Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired First Federal Savings and Loan Association of Bucks Co 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in PA, rank 30 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,085 applications, 786 loans originated, $372.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $2.3M approved, $570K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Penn Community Bank
What are Penn Community Bank's total assets?
As of the Q2 2026 filing, Penn Community Bank reported total assets of $3.07 billion in its FFIEC call report.
Where is Penn Community Bank headquartered?
It is headquartered in Doylestown, PA, United States.
When was Penn Community Bank founded?
It was established in 1922, per the FDIC institution directory.
Is Penn Community Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #30401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Penn Community Bank?
Penn Community Bank's primary federal regulator is the FDIC.
What is Penn Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Penn Community Bank operate?
It operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Penn Community Bank's Texas Ratio?
Its Texas Ratio is 3.76% 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.
What was Penn Community Bank previously called?
The charter now named Penn Community Bank has also operated as First Savings Bank of Perkasie (2008-2018), per FDIC structure-change records.
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