Pennian 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: 6.43 percentage points lower than in Q1 2026, at 48.92%. Within Pennsylvania, Pennian Bank is 97th of 109 on return on assets, 0.40% as of Q2 2026, below the middle of the field. Pennian Bank's return on assets of 0.40% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.86 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.27% |
| Tier 1 risk-based capital ratio | 15.27% |
| Total risk-based capital ratio | 16.52% |
| Tier 1 leverage ratio | 9.24% |
| Equity capital to assets | 7.45% |
| Tangible equity to tangible assets | 7.45% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.47% |
| Non-performing assets ratio | 1.66% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 20.10% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | 48.92% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.40% |
| Return on equity | 5.53% |
| Net interest margin | 3.16% |
| Efficiency ratio | 87.42% |
| Yield on earning assets | 4.75% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.28% |
| Core deposits to total deposits | 93.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.67% |
| Securities to assets | 22.81% |
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 | 13.77% | 13.77% | 15.02% | 8.26% | 0.38% |
| Q4 2023 | 13.62% | 13.62% | 14.88% | 8.12% | -0.29% |
| Q1 2024 | 13.49% | 13.49% | 14.74% | 8.19% | -0.05% |
| Q2 2024 | 13.75% | 13.75% | 15.00% | 8.14% | 0.32% |
| Q3 2024 | 14.18% | 14.18% | 15.43% | 8.36% | 0.44% |
| Q4 2024 | 14.36% | 14.36% | 15.61% | 8.52% | 0.09% |
| Q1 2025 | 14.69% | 14.69% | 15.94% | 8.85% | 0.45% |
| Q2 2025 | 15.03% | 15.03% | 16.28% | 8.88% | 0.46% |
| Q3 2025 | 15.11% | 15.11% | 16.36% | 8.68% | -0.10% |
| Q4 2025 | 15.47% | 15.47% | 16.73% | 8.92% | 0.48% |
| Q1 2026 | 15.78% | 15.78% | 17.03% | 9.33% | 0.37% |
| Q2 2026 | 15.27% | 15.27% | 16.52% | 9.24% | 0.40% |
Pennian Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Pennian 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 Pennian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7613) · FFIEC NIC profile (RSSD 212018)