The Pennsville National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Pennsville National Bank of Pennsville, NJ 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 | 1.53% | 1.34% | +0.19% | 65th above |
| ROAE | 15.78% | 13.31% | +2.47% | 70th above |
| Net Interest Margin | 4.31% | 3.93% | +0.38% | 71st above |
| Efficiency Ratio | 53.43% | 61.14% | -7.71% | 73rd above |
| PPNR / Avg Assets | 2.03% | 1.68% | +0.35% | 73rd above |
| Yield on Earning Assets | 4.55% | 5.67% | -1.12% | 9th bottom |
| Cost of Funds | 0.26% | 1.88% | -1.62% | 99th top |
| Net Interest Spread | 4.22% | 3.32% | +0.90% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.38% | 0.94% | +0.44% | 20th bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.64% | 0.70% | -0.06% | 32nd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.09% | 0.16% | -0.07% | 19th bottom |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) | 73.99% | 1539.11% | -1465.12% | 19th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.24% | 7.33% | -1.09% | 34th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 264.71% | 1395.96% | -1131.25% | 63rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.23% | 12.14% | -1.91% | 36th below |
| Equity / Assets | 10.10% | 11.37% | -1.27% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.10% | 11.09% | -0.99% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.24% | 80.64% | -28.40% | 90th top |
| Core Deposit Ratio | 99.11% | 86.86% | +12.25% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.26% | 6.85% | -6.59% | 21st bottom |
| Loan Growth (Y/Y) | 18.99% | 7.90% | +11.09% | 91st top |
| Deposit Growth (Y/Y) | -0.62% | 6.29% | -6.91% | 20th bottom |
See The Pennsville National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Pennsville National 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 The Pennsville National Bank profile, how to read a UBPR, or how this data updates.