Penncrest Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Penncrest Bank of Altoona, PA against its peer group of 2757 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 | 0.54% | 1.25% | -0.71% | 13th bottom |
| ROAE | 4.53% | 13.17% | -8.64% | 12th bottom |
| Net Interest Margin | 3.09% | 3.95% | -0.86% | 12th bottom |
| Efficiency Ratio | 75.91% | 61.50% | +14.41% | 17th bottom |
| PPNR / Avg Assets | 0.76% | — | — | 13th bottom |
| Yield on Earning Assets | 4.32% | 5.67% | -1.35% | 5th bottom |
| Cost of Funds | 1.37% | 1.87% | -0.50% | 77th top |
| Net Interest Spread | 2.44% | — | — | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.93% | -0.56% | 52nd above |
| NPA / Total Assets | 0.23% | — | — | 57th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans | 0.17% | — | — | 0th bottom |
| ACL / NPLs (Coverage) | 45.16% | — | — | 9th bottom |
| Texas Ratio | 2.60% | 6.06% | -3.46% | 50th above |
| Provision / NCO | 1000.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.48% | 11.75% | +1.73% | 78th top |
| Equity / Assets | 12.20% | 10.98% | +1.22% | 72nd above |
| TCE / Tangible Assets | 12.13% | — | — | 74th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.48% | 80.44% | -5.96% | 63rd above |
| Core Deposit Ratio | 95.90% | 86.95% | +8.95% | 88th top |
| Wholesale Funding Ratio | 2.59% | — | — | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.56% | — | — | 59th above |
| Loan Growth (Y/Y) | 3.17% | — | — | 36th below |
| Deposit Growth (Y/Y) | 5.30% | — | — | 59th above |
See Penncrest Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Penncrest 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 Penncrest Bank profile, how to read a UBPR, or how this data updates.