Penn Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Penn Community Bank of Doylestown, 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 | 0.53% | 1.46% | -0.93% | 10th bottom |
| ROAE | 4.95% | 12.73% | -7.78% | 10th bottom |
| Net Interest Margin | 2.72% | 3.85% | -1.13% | 7th bottom |
| Efficiency Ratio | 72.45% | 57.39% | +15.06% | 16th bottom |
| PPNR / Avg Assets | 0.76% | 1.88% | -1.12% | 9th bottom |
| Yield on Earning Assets | 4.78% | 5.72% | -0.94% | 13th bottom |
| Cost of Funds | 2.27% | 2.02% | +0.25% | 32nd below |
| Net Interest Spread | 2.21% | 3.18% | -0.97% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.71% | 1.00% | -0.29% | 45th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.76% | -0.22% | 46th below |
| NCO / Avg Loans | -0.00% | 0.43% | -0.43% | 90th top |
| ACL / Total Loans | 0.94% | 1.31% | -0.37% | 22nd bottom |
| ACL / NPLs (Coverage) | 132.25% | 543.85% | -411.60% | 39th below |
| Texas Ratio | 4.71% | 7.39% | -2.68% | 52nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 311.35% | 619.03% | -307.68% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.17% | 17.34% | -1.17% | 78th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.17% | 17.37% | -1.20% | 78th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.19% | 18.42% | -1.23% | 78th top |
| Leverage Ratio | 12.68% | 11.43% | +1.25% | 82nd top |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.94% | 11.34% | -0.40% | 59th above |
| TCE / Tangible Assets | 10.85% | 10.50% | +0.35% | 69th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.31% | 86.95% | +3.36% | 44th below |
| Core Deposit Ratio | 90.56% | 85.55% | +5.01% | 60th above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.62% | 33.12% | -0.50% | 45th below |
| Wholesale Funding Ratio | 7.75% | 5.70% | +2.05% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.44% | 9.69% | -7.25% | 31st below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.38% | 8.06% | -0.68% | 61st above |
| Deposit Growth (Y/Y) | 2.24% | 7.88% | -5.64% | 32nd below |
See Penn Community Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Penn Community Bank, 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 Penn Community Bank profile, how to read a UBPR, or how this data updates.