Pennian Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Pennian Bank of Mifflintown, PA against its peer group of 2672 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 | 0.40% | 1.35% | -0.95% | 10th bottom |
| ROAE | 5.53% | 12.06% | -6.53% | 16th bottom |
| Net Interest Margin | 3.16% | 3.90% | -0.74% | 15th bottom |
| Efficiency Ratio | 87.42% | 63.14% | +24.28% | 8th bottom |
| PPNR / Avg Assets | 0.38% | 1.64% | -1.26% | 6th bottom |
| Yield on Earning Assets | 4.75% | 5.65% | -0.90% | 15th bottom |
| Cost of Funds | 1.67% | 1.85% | -0.18% | 58th above |
| Net Interest Spread | 2.67% | 3.35% | -0.68% | 19th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.47% | 0.92% | +1.55% | 10th bottom |
| NPA / Total Assets | 1.66% | 0.67% | +0.99% | 10th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 31st below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.21% | 1.28% | -0.07% | 51st above |
| ACL / NPLs (Coverage) | 48.92% | 1645.82% | -1596.90% | 10th bottom |
| Texas Ratio | 20.10% | 7.14% | +12.96% | 8th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 209.38% | 1189.79% | -980.41% | 59th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.27% | 20.83% | -5.56% | 51st above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.27% | 20.86% | -5.59% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.52% | 21.94% | -5.42% | 52nd above |
| Leverage Ratio | 9.24% | 12.46% | -3.22% | 16th bottom |
| Equity / Assets | 7.45% | 11.67% | -4.22% | 9th bottom |
| TCE / Tangible Assets | 7.45% | 11.40% | -3.95% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.28% | 78.64% | -1.36% | 57th above |
| Core Deposit Ratio | 93.67% | 87.09% | +6.58% | 77th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 5.09% | 5.11% | -0.02% | 37th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.95% | 6.48% | -7.43% | 14th bottom |
| Loan Growth (Y/Y) | 1.20% | 7.64% | -6.44% | 27th below |
| Deposit Growth (Y/Y) | -2.05% | 6.03% | -8.08% | 13th bottom |
See Pennian Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Pennian 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 Pennian Bank profile, how to read a UBPR, or how this data updates.