Penn Community Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets rose 3.0% from Q1 2026 to Q2 2026, ending at $2.44B against $2.37B. It was the largest change among the key lines on this page. Penn Community Bank ranks 25th of 72 Pennsylvania banks on CET1 ratio, in the upper half at 16.17% (Q2 2026). Penn Community Bank reported 16.17% on CET1 ratio for Q2 2026, 2.69 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.17% |
| Tier 1 risk-based capital ratio | 16.17% |
| Total risk-based capital ratio | 17.19% |
| Tier 1 leverage ratio | 12.68% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $393.9M |
| Tier 1 capital | $393.9M |
| Total risk-based capital | $418.6M |
| Total equity capital | $335.9M |
| Risk-weighted assets | $2.44B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.94% |
| Tangible equity to tangible assets | 10.85% |
| Equity capital to average assets | 10.80% |
| Internal capital growth rate | 4.99% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $93.5M |
| Retained earnings | $303.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$61.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.93% | 16.93% | 17.98% | 12.32% | $2.13B |
| Q4 2023 | 17.08% | 17.08% | 18.09% | 12.27% | $2.14B |
| Q1 2024 | 17.28% | 17.28% | 18.27% | 12.44% | $2.13B |
| Q2 2024 | 17.29% | 17.29% | 18.21% | 12.19% | $2.15B |
| Q3 2024 | 17.56% | 17.56% | 18.46% | 12.16% | $2.13B |
| Q4 2024 | 17.63% | 17.63% | 18.60% | 12.22% | $2.12B |
| Q1 2025 | 17.20% | 17.20% | 18.21% | 12.50% | $2.18B |
| Q2 2025 | 16.81% | 16.81% | 17.82% | 12.45% | $2.25B |
| Q3 2025 | 15.99% | 15.99% | 17.06% | 12.26% | $2.38B |
| Q4 2025 | 16.55% | 16.55% | 17.57% | 12.46% | $2.33B |
| Q1 2026 | 16.48% | 16.48% | 17.48% | 12.64% | $2.37B |
| Q2 2026 | 16.17% | 16.17% | 17.19% | 12.68% | $2.44B |
Penn Community Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Penn Community Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Penn Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30401) · FFIEC NIC profile (RSSD 328777)