Asset Quality ranking · Pennsylvania · Call report data as of September 30, 2026
Pennsylvania Banks: Highest Multifamily Delinquency
Pennian Bank has the highest multifamily noncurrent rate of the 58 ranked banks headquartered in Pennsylvania, at 5.18% as of September 30, 2026. The median among the 58 ranked Pennsylvania banks is 0.00%, against 0.00% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 0.44%). 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 multifamily noncurrent rate. For the largest banks headquartered in Pennsylvania, see largest banks in Pennsylvania.
- No. 1 in Pennsylvania
- Pennian Bank
- Its Multifamily noncurrent
- 5.18%
- Pennsylvania median
- 0.00%
- Banks ranked
- 58
Ranked among banks headquartered in Pennsylvania, numbered 1 to 58 within the state from the same population as the national list. Browse every bank in the Pennsylvania bank directory.
Top 58 Pennsylvania banks by multifamily noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Pennsylvania median of 0.00%. Missing values show as a dash and sort last.
| 1 | Pennian Bank Mifflintown, PA | 5.18% | $653.3M $100M to $1B |
| 2 | NexTier Bank, N.A. Kittanning, PA | 3.81% | $3.30B $1B to $10B |
| 3 | Meridian Bank Malvern, PA | 3.03% | $2.57B $1B to $10B |
| 4 | First Keystone Community Bank Berwick, PA | 2.62% | $1.72B $1B to $10B |
| 5 | First Citizens Community Bank Mansfield, PA | 2.26% | $3.41B $1B to $10B |
| 6 | First Commonwealth Bank Indiana, PA | 1.62% | $12.16B $10B to $100B |
| 7 | Fulton Bank, N.A. Lancaster, PA | 1.22% | $34.64B $10B to $100B |
| 8 | TriState Capital Bank Pittsburgh, PA | 1.14% | $24.83B $10B to $100B |
| 9 | Citizens & Northern Bank Wellsboro, PA | 1.11% | $3.14B $1B to $10B |
| 10 | Dollar Bank, Federal Savings Bank Pittsburgh, PA | 0.97% | $12.70B $10B to $100B |
| 11 | Journey Bank Bloomsburg, PA | 0.82% | $1.68B $1B to $10B |
| 12 | Firstrust Savings Bank Conshohocken, PA | 0.80% | $5.74B $1B to $10B |
| 13 | Infirst Bank Indiana, PA | 0.74% | $689.5M $100M to $1B |
| 14 | Somerset Trust Company Somerset, PA | 0.50% | $2.47B $1B to $10B |
| 15 | Wayne Bank Honesdale, PA | 0.45% | $2.95B $1B to $10B |
| 16 | Bank of Bird-In-Hand Bird in Hand, PA | 0.42% | $2.03B $1B to $10B |
| 17 | Customers Bank Malvern, PA | 0.35% | $27.40B $10B to $100B |
| 18 | Univest Bank and Trust Co. Hilltown, PA | 0.34% | $8.57B $1B to $10B |
| 19 | Ephrata National Bank Ephrata, PA | 0.24% | $2.39B $1B to $10B |
| 20 | Northwest Bank Warren, PA | 0.18% | $17.31B $10B to $100B |
| 21 | Brentwood Bank Bethel Park, PA | 0.18% | $1.03B $1B to $10B |
| 22 | First National Bank of Pennsylvania Greenville, PA | 0.12% | $51.93B $10B to $100B |
| 23 | CNB Bank Clearfield, PA | 0.11% | $8.37B $1B to $10B |
| 24 | Mid Penn Bank Millersburg, PA | 0.09% | $7.12B $1B to $10B |
| 25 | ACNB Bank Gettysburg, PA | 0.07% | $3.29B $1B to $10B |
| 26 | Orrstown Bank Harrisburg, PA | 0.05% | $5.71B $1B to $10B |
| 27 | S & T Bank Indiana, PA | 0.04% | $9.88B $1B to $10B |
| 28 | Peoples Security Bank and Trust Company Dunmore, PA | 0.01% | $5.55B $1B to $10B |
| 29 | BNY Mellon, N.A. Pittsburgh, PA | 0.00% | $30.07B $10B to $100B |
| 30 | Penn Community Bank Doylestown, PA | 0.00% | $3.11B $1B to $10B |
| 31 | Fidelity Bank Dunmore, PA | 0.00% | $3.03B $1B to $10B |
| 32 | Farmers and Merchants Trust Company of Chambersburg Chambersburg, PA | 0.00% | $2.37B $1B to $10B |
| 33 | QNB Bank Quakertown, PA | 0.00% | $2.33B $1B to $10B |
| 34 | Kish Bank Belleville, PA | 0.00% | $2.10B $1B to $10B |
| 35 | Embassy Bank for the Lehigh Valley Bethlehem, PA | 0.00% | $1.81B $1B to $10B |
| 36 | Community Bank Carmichaels, PA | 0.00% | $1.63B $1B to $10B |
| 37 | 1st Summit Bank Johnstown, PA | 0.00% | $1.51B $1B to $10B |
| 38 | Washington Financial Bank Washington, PA | 0.00% | $1.48B $1B to $10B |
| 39 | Marquette Savings Bank Erie, PA | 0.00% | $1.47B $1B to $10B |
| 40 | Ameriserv Financial Bank Johnstown, PA | 0.00% | $1.44B $1B to $10B |
| 41 | The Dime Bank Honesdale, PA | 0.00% | $1.30B $1B to $10B |
| 42 | The Honesdale National Bank Honesdale, PA | 0.00% | $1.22B $1B to $10B |
| 43 | American Bank Allentown, PA | 0.00% | $1.16B $1B to $10B |
| 44 | First Northern Bank and Trust Company Palmerton, PA | 0.00% | $1.03B $1B to $10B |
| 45 | Jonestown Bank and Trust Company of Jonestown, Pennsylvania Jonestown, PA | 0.00% | $1.01B $1B to $10B |
| 46 | Atlantic Community Bankers Bank Camp Hill, PA | 0.00% | $1.01B $1B to $10B |
| 47 | Harleysville Bank Harleysville, PA | 0.00% | $977.5M $100M to $1B |
| 48 | The Juniata Valley Bank Mifflintown, PA | 0.00% | $912.2M $100M to $1B |
| 49 | First Resource Bank Exton, PA | 0.00% | $887.6M $100M to $1B |
| 50 | Asian Bank Philadelphia, PA | 0.00% | $728.0M $100M to $1B |
| 51 | PS Bank Wyalusing, PA | 0.00% | $687.9M $100M to $1B |
| 52 | Reliance Savings Bank Altoona, PA | 0.00% | $682.0M $100M to $1B |
| 53 | New Tripoli Bank New Tripoli, PA | 0.00% | $663.4M $100M to $1B |
| 54 | Mauch Chunk Trust Company Jim Thorpe, PA | 0.00% | $662.9M $100M to $1B |
| 55 | Quaint Oak Bank Southampton, PA | 0.00% | $634.7M $100M to $1B |
| 56 | Phoenixville Federal Bank and Trust Phoenixville, PA | 0.00% | $626.9M $100M to $1B |
| 57 | Ambler Savings Bank Ambler, PA | 0.00% | $510.8M $100M to $1B |
| 58 | Sharon Bank Springfield, PA | 0.00% | $165.4M $100M to $1B |
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Definition and formula
The multifamily noncurrent rate is the share of a bank's multifamily loans, mortgages on apartment buildings with five or more units, that are on nonaccrual or 90 or more days past due and still accruing.
Multifamily noncurrent rate = (Multifamily loans on nonaccrual + Multifamily loans 90+ days past due and still accruing) / Multifamily loans
The glossary entry for Multifamily Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 58 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 multifamily 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 multifamily noncurrent rate
The rate rises when apartment owners cannot cover their debt service, most often when a loan written at a low fixed rate comes up for refinancing at a higher one, or when rent limits or new supply hold rents below rising costs. It falls as the bank restructures, sells or charges off problem loans. Most banks report no noncurrent multifamily loans at all, so a single large building can put a bank near the top of this list; read the rate beside the dollar amounts on the bank's asset quality page.
Frequently asked questions
Which bank in Pennsylvania has the highest multifamily noncurrent rate?
Pennian Bank has the highest multifamily noncurrent rate of the 58 ranked banks headquartered in Pennsylvania, at 5.18% as of September 30, 2026, according to its FFIEC call report. NexTier Bank, N.A. ranks second at 3.81%. The median is 0.00%.
What is the median multifamily noncurrent rate among ranked US banks?
As of Q3 2026, multifamily noncurrent rate for the middle half of the 1,233 ranked US banks ran from 0.00% to 0.04%, and the median was 0.00%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Multifamily Real Estate Loans glossary entry.
How is the multifamily noncurrent rate calculated?
Multifamily noncurrent rate = (Multifamily loans on nonaccrual + Multifamily loans 90+ days past due and still accruing) / Multifamily loans. Each bank charter is ranked on its own; holding companies are not combined. See the Multifamily 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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