Penn Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.74 percentage points lower than in Q1 2026, at 132.25%. Penn Community Bank ranks 90th of 109 Pennsylvania banks on return on assets, in the lower half at 0.53% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Penn Community Bank reported 0.53% on return on assets in Q2 2026, 0.75 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.17% |
| Tier 1 risk-based capital ratio | 16.17% |
| Total risk-based capital ratio | 17.19% |
| Tier 1 leverage ratio | 12.68% |
| Equity capital to assets | 10.94% |
| Tangible equity to tangible assets | 10.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.71% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 4.71% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 132.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.53% |
| Return on equity | 4.95% |
| Net interest margin | 2.72% |
| Efficiency ratio | 72.45% |
| Yield on earning assets | 4.78% |
| Cost of funds | 2.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.31% |
| Core deposits to total deposits | 90.56% |
| Brokered deposits to total deposits | 2.48% |
| Deposits to assets | 80.30% |
| Securities to assets | 18.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.93% | 16.93% | 17.98% | 12.32% | 0.70% |
| Q4 2023 | 17.08% | 17.08% | 18.09% | 12.27% | 0.58% |
| Q1 2024 | 17.28% | 17.28% | 18.27% | 12.44% | 0.47% |
| Q2 2024 | 17.29% | 17.29% | 18.21% | 12.19% | 0.38% |
| Q3 2024 | 17.56% | 17.56% | 18.46% | 12.16% | 0.27% |
| Q4 2024 | 17.63% | 17.63% | 18.60% | 12.22% | -0.03% |
| Q1 2025 | 17.20% | 17.20% | 18.21% | 12.50% | 0.18% |
| Q2 2025 | 16.81% | 16.81% | 17.82% | 12.45% | 0.37% |
| Q3 2025 | 15.99% | 15.99% | 17.06% | 12.26% | 0.37% |
| Q4 2025 | 16.55% | 16.55% | 17.57% | 12.46% | 0.60% |
| Q1 2026 | 16.48% | 16.48% | 17.48% | 12.64% | 0.61% |
| Q2 2026 | 16.17% | 16.17% | 17.19% | 12.68% | 0.53% |
Penn Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Penn Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)