Asset Quality ranking · Pennsylvania · Call report data as of September 30, 2026
Pennsylvania Banks: Highest CRE Delinquency
Enterprise Bank has the highest commercial real estate noncurrent rate of the 84 ranked banks headquartered in Pennsylvania, at 6.97% as of September 30, 2026. The median among the 84 ranked Pennsylvania banks is 0.49%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.03% to 1.46%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Pennsylvania banks by commercial real estate noncurrent rate. For the largest banks headquartered in Pennsylvania, see largest banks in Pennsylvania.
- No. 1 in Pennsylvania
- Enterprise Bank
- Its CRE noncurrent
- 6.97%
- Pennsylvania median
- 0.49%
- Banks ranked
- 84
Ranked among banks headquartered in Pennsylvania, numbered 1 to 84 within the state from the same population as the national list. Browse every bank in the Pennsylvania bank directory.
Top 84 Pennsylvania banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Pennsylvania median of 0.49%. Missing values show as a dash and sort last.
| 1 | Enterprise Bank Allison Park, PA | 6.97% | $495.6M $100M to $1B |
| 2 | Sewickley Savings Bank Sewickley, PA | 6.93% | $305.5M $100M to $1B |
| 3 | Second Federal Savings & Loan Association of Philadelphia Philadelphia, PA | 5.09% | $104.9M $100M to $1B |
| 4 | Sharon Bank Springfield, PA | 4.87% | $165.4M $100M to $1B |
| 5 | Woodlands Bank Williamsport, PA | 4.56% | $640.6M $100M to $1B |
| 6 | First Keystone Community Bank Berwick, PA | 3.76% | $1.72B $1B to $10B |
| 7 | First Citizens Community Bank Mansfield, PA | 3.13% | $3.41B $1B to $10B |
| 8 | Mercer County State Bank Sandy Lake, PA | 3.08% | $608.8M $100M to $1B |
| 9 | NexTier Bank, N.A. Kittanning, PA | 2.87% | $3.30B $1B to $10B |
| 10 | The Bank of Landisburg Landisburg, PA | 2.58% | $428.6M $100M to $1B |
| 11 | First Northern Bank and Trust Company Palmerton, PA | 2.50% | $1.03B $1B to $10B |
| 12 | Altoona First Savings Bank Altoona, PA | 2.45% | $324.8M $100M to $1B |
| 13 | Meridian Bank Malvern, PA | 2.43% | $2.57B $1B to $10B |
| 14 | Pennian Bank Mifflintown, PA | 2.12% | $653.3M $100M to $1B |
| 15 | Quaint Oak Bank Southampton, PA | 1.99% | $634.7M $100M to $1B |
| 16 | Citizens & Northern Bank Wellsboro, PA | 1.93% | $3.14B $1B to $10B |
| 17 | Washington Financial Bank Washington, PA | 1.87% | $1.48B $1B to $10B |
| 18 | Penn Community Bank Doylestown, PA | 1.76% | $3.11B $1B to $10B |
| 19 | Northwest Bank Warren, PA | 1.65% | $17.31B $10B to $100B |
| 20 | Clarion County Community Bank Clarion, PA | 1.50% | $260.9M $100M to $1B |
| 21 | The Dime Bank Honesdale, PA | 1.48% | $1.30B $1B to $10B |
| 22 | Somerset Trust Company Somerset, PA | 1.46% | $2.47B $1B to $10B |
| 23 | Brentwood Bank Bethel Park, PA | 1.40% | $1.03B $1B to $10B |
| 24 | Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA | 1.40% | $2.37B $1B to $10B |
| 25 | First Commonwealth Bank Indiana, PA | 1.33% | $12.16B $10B to $100B |
| 26 | Elderton State Bank Elderton, PA | 1.30% | $480.5M $100M to $1B |
| 27 | Wayne Bank Honesdale, PA | 1.27% | $2.95B $1B to $10B |
| 28 | Asian Bank Philadelphia, PA | 1.20% | $728.0M $100M to $1B |
| 29 | TriState Capital Bank Pittsburgh, PA | 1.15% | $24.83B $10B to $100B |
| 30 | Firstrust Savings Bank Conshohocken, PA | 1.15% | $5.74B $1B to $10B |
| 31 | New Tripoli Bank New Tripoli, PA | 1.11% | $663.4M $100M to $1B |
| 32 | Community State Bank of Orbisonia Orbisonia, PA | 1.00% | $476.6M $100M to $1B |
| 33 | SSB Bank Pittsburgh, PA | 0.95% | $397.0M $100M to $1B |
| 34 | Central Penn Bank & Trust Mifflinburg, PA | 0.90% | $1.27B $1B to $10B |
| 35 | Journey Bank Bloomsburg, PA | 0.88% | $1.68B $1B to $10B |
| 36 | 1st Summit Bank Johnstown, PA | 0.80% | $1.51B $1B to $10B |
| 37 | Phoenixville Federal Bank and Trust Phoenixville, PA | 0.77% | $626.9M $100M to $1B |
| 38 | CNB Bank Clearfield, PA | 0.69% | $8.37B $1B to $10B |
| 39 | Fulton Bank, N.A. Lancaster, PA | 0.64% | $34.64B $10B to $100B |
| 40 | Mid Penn Bank Millersburg, PA | 0.57% | $7.12B $1B to $10B |
| 41 | First National Bank of Pennsylvania Greenville, PA | 0.50% | $51.93B $10B to $100B |
| 42 | Hometown Bank of Pennsylvania Bedford, PA | 0.50% | $482.2M $100M to $1B |
| 43 | Atlantic Community Bankers Bank Camp Hill, PA | 0.49% | $1.01B $1B to $10B |
| 44 | Ameriserv Financial Bank Johnstown, PA | 0.47% | $1.44B $1B to $10B |
| 45 | The Honesdale National Bank Honesdale, PA | 0.43% | $1.22B $1B to $10B |
| 46 | Marion Center Bank Indiana, PA | 0.42% | $428.2M $100M to $1B |
| 47 | Ephrata National Bank Ephrata, PA | 0.37% | $2.39B $1B to $10B |
| 48 | Hyperion Bank Philadelphia, PA | 0.37% | $589.8M $100M to $1B |
| 49 | Slovenian Savings and Loan Association of Canonsburg, Pa Strabane, PA | 0.30% | $631.2M $100M to $1B |
| 50 | S & T Bank Indiana, PA | 0.28% | $9.88B $1B to $10B |
| 51 | ACNB Bank Gettysburg, PA | 0.26% | $3.29B $1B to $10B |
| 52 | Peoples Security Bank and Trust Company Dunmore, PA | 0.25% | $5.55B $1B to $10B |
| 53 | Univest Bank and Trust Co. Hilltown, PA | 0.22% | $8.57B $1B to $10B |
| 54 | Dollar Bank, Federal Savings Bank Pittsburgh, PA | 0.18% | $12.70B $10B to $100B |
| 55 | Orrstown Bank Harrisburg, PA | 0.13% | $5.71B $1B to $10B |
| 56 | Customers Bank Malvern, PA | 0.12% | $27.40B $10B to $100B |
| 57 | QNB Bank Quakertown, PA | 0.12% | $2.33B $1B to $10B |
| 58 | Fidelity Bank Dunmore, PA | 0.10% | $3.03B $1B to $10B |
| 59 | First Resource Bank Exton, PA | 0.09% | $887.6M $100M to $1B |
| 60 | Mauch Chunk Trust Company Jim Thorpe, PA | 0.09% | $662.9M $100M to $1B |
| 61 | Ambler Savings Bank Ambler, PA | 0.06% | $510.8M $100M to $1B |
| 62 | Kish Bank Belleville, PA | 0.05% | $2.10B $1B to $10B |
| 63 | PS Bank Wyalusing, PA | 0.03% | $687.9M $100M to $1B |
| 64 | Community Bank Carmichaels, PA | 0.02% | $1.63B $1B to $10B |
| 65 | Infirst Bank Indiana, PA | 0.01% | $689.5M $100M to $1B |
| 66 | BNY Mellon, N.A. Pittsburgh, PA | 0.00% | $30.07B $10B to $100B |
| 67 | Bank of Bird-In-Hand Bird in Hand, PA | 0.00% | $2.03B $1B to $10B |
| 68 | Embassy Bank for the Lehigh Valley Bethlehem, PA | 0.00% | $1.81B $1B to $10B |
| 69 | Marquette Savings Bank Erie, PA | 0.00% | $1.47B $1B to $10B |
| 70 | American Bank Allentown, PA | 0.00% | $1.16B $1B to $10B |
| 71 | First National Bank & Trust Company of Newtown Newtown, PA | 0.00% | $1.14B $1B to $10B |
| 72 | Jonestown Bank and Trust Company of Jonestown, Pennsylvania Jonestown, PA | 0.00% | $1.01B $1B to $10B |
| 73 | Harleysville Bank Harleysville, PA | 0.00% | $977.5M $100M to $1B |
| 74 | The Juniata Valley Bank Mifflintown, PA | 0.00% | $912.2M $100M to $1B |
| 75 | Cfsbank Charleroi, PA | 0.00% | $785.8M $100M to $1B |
| 76 | Reliance Savings Bank Altoona, PA | 0.00% | $682.0M $100M to $1B |
| 77 | The Neffs National Bank Neffs, PA | 0.00% | $467.0M $100M to $1B |
| 78 | United Savings Bank Philadelphia, PA | 0.00% | $466.2M $100M to $1B |
| 79 | Fleetwood Bank Fleetwood, PA | 0.00% | $412.9M $100M to $1B |
| 80 | Commercial Bank & Trust of PA Latrobe, PA | 0.00% | $393.0M $100M to $1B |
| 81 | Jim Thorpe Neighborhood Bank Jim Thorpe, PA | 0.00% | $275.2M $100M to $1B |
| 82 | The National Bank of Malvern Malvern, PA | 0.00% | $223.2M $100M to $1B |
| 83 | MCS Bank Milroy, PA | 0.00% | $219.2M $100M to $1B |
| 84 | Iron Workers Savings Bank Aston, PA | 0.00% | $213.0M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 84 banks headquartered in Pennsylvania that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Pennsylvania has the highest commercial real estate noncurrent rate?
Enterprise Bank has the highest commercial real estate noncurrent rate of the 84 ranked banks headquartered in Pennsylvania, at 6.97% as of September 30, 2026, according to its FFIEC call report. Sewickley Savings Bank ranks second at 6.93%. The median is 0.49%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Pennsylvania rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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