Penn Community Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Doylestown, Penn Community Bank serves the Pennsylvania market as a community-focused commercial bank, in the Greater Philadelphia banking market. As of Q2 2026, the bank held approximately $3.1B in total assets and $2.5B in deposits. Profitability runs below industry average: 0.53% ROA, 4.95% ROE, with NIM at 2.72%. Capital cushions are healthy: 16.17% CET1, 12.68% Tier 1 leverage. Asset quality is solid, 0.71% nonperforming loans and a 4.71% Texas Ratio. Its footprint covers 22 branches concentrated in Pennsylvania.
As of June 30, 2026, Penn Community Bank reported a CET1 capital ratio of 16.17%, a return on assets of 0.53%, a nonperforming-loan ratio of 0.71%, a Texas ratio of 4.71%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3969 Durham Rd, Doylestown, PA 18902
- County
- Bucks
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1922
- Former names
- First Savings Bank of Perkasie (2008-2018)
- Offices
- 22 domestic
- Employees (FTE)
- 306
- Domestic deposits
- $2.46B
- Allowance for credit losses
- $20.9M
- Net charge-offs (YTD)
- $282K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30401
- Fed RSSD
- 328777
- Website
- www.penncommunitybank.com →
- Parent Holding Company
- PENN COMMUNITY FINANCIAL CORPORATION (RSSD 3198515)
- Ultimate Parent
- PENN COMMUNITY MUTUAL HOLDINGS INC (RSSD 3200463)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Penn Community Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Penn Community Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Penn Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.17% | 0.53% | 0.71% | 4.71% | 2.72% |
| Q1 2026 | 16.48% | 0.61% | 0.65% | 4.24% | 2.62% |
| Q4 2025 | 16.55% | 0.60% | 0.62% | 4.06% | 2.62% |
| Q3 2025 | 15.99% | 0.37% | 0.68% | 4.50% | 2.51% |
| Q2 2025 | 16.81% | 0.37% | 0.72% | 4.73% | 2.34% |
| Q1 2025 | 17.20% | 0.18% | 0.17% | 1.21% | 2.11% |
| Q4 2024 | 17.63% | -0.03% | 0.10% | 0.78% | 1.99% |
| Q3 2024 | 17.56% | 0.27% | 0.20% | 1.33% | 2.06% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 22 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bensalem Branch | Bensalem , PA | 19020 | $194.2M |
| Quakertown Branch | Quakertown , PA | 18951 | $184.3M |
| Lower Makefield Branch | Yardley , PA | 19067 | $172.1M |
| Riegelsville Branch | Riegelsville , PA | 18077 | $154.3M |
| Market Street Branch | Perkasie , PA | 18944 | $145.8M |
| Newtown Branch | Newtown , PA | 18940 | $145.1M |
| Highland Park Branch | Levittown , PA | 19056 | $138.6M |
| Bristol Branch | Bristol , PA | 19007 | $137.5M |
| Fifth Street Branch | Perkasie , PA | 18944 | $131.5M |
| Pipersville Branch | Pipersville , PA | 18947 | $123.6M |
| Doylestown Branch | Doylestown , PA | 18901 | $119.0M |
| Levittown Branch | Levittown , PA | 19054 | $118.5M |
| New Hope Branch | New Hope , PA | 18938 | $104.3M |
| Penn Community Bank (main office) | Doylestown , PA | 18902 | $88.4M |
| Dublin Branch | Dublin , PA | 18917 | $85.7M |
| Fairway Branch Office | Jenkintown , PA | 19046 | $73.2M |
| Penn Community Bank, Warminster Office | Warminster , PA | 18974 | $72.6M |
| Southampton Branch | Southampton , PA | 18966 | $69.2M |
| Lansdale Branch Office | Lansdale , PA | 19446 | $68.8M |
| New Britain Branch | New Britain , PA | 18901 | $60.5M |
| Allentown Branch | Allentown , PA | 18104 | $55.4M |
| Bethlehem Branch | Bethlehem , PA | 18017 | $22.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 2, 2017 | Structure Change | Acquired Chelten Hills Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2015 | Structure Change | Acquired First Federal Savings and Loan Association of Bucks Co Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Penn Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in PA, rank 30 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,085 applications, 786 loans originated, $372.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Penn Community Bank
What are Penn Community Bank's total assets?
As of the Q2 2026 filing, Penn Community Bank reported total assets of $3.07 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Penn Community Bank headquartered?
Penn Community Bank is headquartered in Doylestown, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Penn Community Bank founded?
Penn Community Bank was established in 1922, per the FDIC institution directory.
Is Penn Community Bank FDIC-insured?
Yes. Penn Community Bank is an FDIC-insured commercial bank (FDIC Certificate #30401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Penn Community Bank?
Penn Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Penn Community Bank's CET1 capital ratio?
Penn Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.17% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Penn Community Bank operate?
Penn Community Bank operates 22 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Penn Community Bank's Texas Ratio?
Penn Community Bank's Texas Ratio is 4.71% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Penn Community Bank previously called?
The charter now named Penn Community Bank has also operated as First Savings Bank of Perkasie (2008-2018), per FDIC structure-change records.
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