Pennian Bank
BankRegReports is independent of Pennian Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Pennian Bank is an FDIC-insured commercial bank headquartered in Mifflintown, PA, established in 1889 (FDIC certificate 7613), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $667.9M, down 1.0% from Q2 2025, the 56th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 15.27% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7613
- Headquarters
- Mifflintown, PA
- Established
- 1889
- Total assets, Q2 2026
- $667.9M
- Assets vs Q2 2025
- -1.0%
- CET1 ratio, Q2 2026
- 15.27%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 031310206
- Holding company
- FIRST COMMUNITY FINANCIAL CORPORATION
- Asset rank in state
- 56th of 109 in Pennsylvania
Problem loans are rising at Pennian Bank. The Mifflintown, Pennsylvania bank had $668 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.99% of loans from 0.62% a year earlier. It earns about $0.40 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $20 million equal 32% of Tier 1 capital, down from 42% a year earlier. Net income for the quarter slipped 16% from a year earlier, to $678,000. Its margin is thin by comparison: it keeps 3.16 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Pennian Bank reported a CET1 capital ratio of 15.27%, a return on assets of 0.40%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 8.01%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Pennian Bank is the 56th largest of the 109 banks headquartered in Pennsylvania. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $667.9M, loans rose 4.4% and deposits rose 1.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 39.6% of total loans, ahead of commercial and industrial loans at 13.9%. Its 11 offices in the FDIC Summary of Deposits are in 9 cities in PA; its Mifflintown 3 offices book 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, Pennian Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 N Main St, Mifflintown, PA 17059
- County
- Juniata
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- April 19, 1889
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 139
- Domestic deposits
- $578.9M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $32K
- Average total assets
- $683.1M
- Average total loans
- $436.0M
- Average interest-bearing deposits
- $461.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7613
- Fed RSSD
- 212018
- SEC CIK
- 763293 → filed by FIRST COMMUNITY FINANCIAL CORPORATION
- Website
- www.pennian.bank →
- Parent Holding Company
- FIRST COMMUNITY FINANCIAL CORPORATION (RSSD 1132896)
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
Over the 12 quarters to Q2 2026, Pennian Bank's total assets ran between $656.7M (Q3 2025) and $714.5M (Q1 2024), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$667.9M total assets against $674.4M; $618.2M total liabilities against $630.2M.
$442.0M net loans and leases against $436.7M; $578.9M total deposits against $591.0M.
$152.4M securities against $164.4M; $35.7M cash and balances due against $34.5M.
$7.5M total interest income against $7.3M; $2.6M total interest expense against $2.9M.
$4.9M net interest income against $4.3M.
$1.2M total noninterest income against $1.2M; $5.5M total noninterest expense against $4.9M.
-$6K provision for credit losses against -$15K.
$678K net income against $806K.
0.40% return on assets against 0.46%; 3.16% net interest margin against 2.73%.
15.27% CET1 capital ratio against 15.03%; 9.24% tier 1 leverage ratio against 8.88%.
Inside the full Pennian Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePennian Bank rankings
Its closest position to the top of a national ranking is 831 of 3,640, for Texas Ratio; its furthest is 3,429 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.10% (Q3 2025) to 0.48% (Q4 2025) and its net interest margin ran from 2.50% (Q3 2024) to 3.42% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.27% | 0.40% | 1.09% | 8.01% | 3.16% |
| Q1 2026 | 15.78% | 0.37% | 1.12% | 8.03% | 3.06% |
| Q4 2025 | 15.47% | 0.48% | 1.12% | 8.09% | 3.42% |
| Q3 2025 | 15.11% | -0.10% | 1.93% | 14.97% | 2.83% |
| Q2 2025 | 15.03% | 0.46% | 0.73% | 5.48% | 2.73% |
| Q1 2025 | 14.69% | 0.45% | 0.92% | 7.31% | 2.92% |
| Q4 2024 | 14.36% | 0.09% | 1.15% | 9.91% | 2.54% |
| Q3 2024 | 14.18% | 0.44% | 1.10% | 8.76% | 2.50% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Fermanagh Branch | Mifflintown , PA | 17059 | $76.7M |
| Pennian Bank (main office) | Mifflintown , PA | 17059 | $75.5M |
| Bloomfied Borough Branch | New Bloomfield , PA | 17068 | $75.2M |
| Tuscarora Valley Branch | Mifflintown , PA | 17059 | $65.7M |
| Delaware Branch | Thompsontown , PA | 17094 | $62.1M |
| Newport Office Branch | Newport , PA | 17074 | $56.3M |
| Lemoyne Office | Lemoyne , PA | 17043 | $55.2M |
| Loysville Branch | Loysville , PA | 17047 | $48.4M |
| Ickesburg Branch | Ickesburg , PA | 17037 | $34.6M |
| Northern Dauphin Branch | Elizabethville , PA | 17023 | $17.6M |
| East Waterford Branch | East Waterford , PA | 17021 | $11.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in PA, rank 74 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 271 applications, 145 loans originated, $36.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2015 (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
Add this badge to your website
Free to use. It shows Pennian Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Pennian Bank
What are Pennian Bank's total assets?
As of the Q2 2026 filing, Pennian Bank reported total assets of $667.9 million in its FFIEC call report.
Where is Pennian Bank headquartered?
It is headquartered in Mifflintown, PA, United States.
When was Pennian Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Pennian Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7613). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Pennian Bank?
Pennian Bank's primary federal regulator is the FDIC.
What is Pennian Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.27% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Pennian Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Pennian Bank's Texas Ratio?
Its Texas Ratio is 8.01% 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.
Go deeper on Pennian Bank.
Get an email when Pennian Bank files its next call report, and benchmark it against any peer you choose.
Unlock Pennian Bank, freeFree account