BlastPoint's Banking Scorecard
Penn Community Bank
Community
Specialty: Commercial
PA
FDIC cert 30401
Doylestown, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Penn Community Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 41% in Community
- - Return on Assets 0.77% below tier
- - Net Interest Margin 1.18% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
+3.2% YoY
+0.9% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.1B
+10.1% YoY
-2.9% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.4B
+4.9% YoY
+1.2% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.39%
+39.1% YoY
+23.7% QoQ
|
-0.77% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.48%
+13.5% YoY
+3.2% QoQ
|
-1.18% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
77.47%
-11.0% YoY
+0.5% QoQ
|
+14.84% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.49%
+445.3% YoY
-12.2% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
86.48%
+4.9% YoY
-4.1% QoQ
|
+3.42% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
12.57%
+10.8% YoY
+5.0% QoQ
|
-8.48% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.37%
+530.4% YoY
-8.4% QoQ
|
-0.13% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
16.55%
-6.1% YoY
+3.5% QoQ
|
+6.31% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.32%
+11.0% YoY
+30.2% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Overhang
risk
#110 of 268 · Bottom 41% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.55%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
86.48%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.39%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.48%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
85
85th pctile
Tier 1 Capital Ratio
Current: 16.55% · Tier avg: 10.24%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.48% · Tier avg: 83.06%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.57% · Tier avg: 21.05%
13
13th pctile
Efficiency Ratio
Current: 77.47% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 77.47% · Tier avg: 62.63%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.57% · Tier avg: 21.05%
26
26th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
45
45th pctile
Loan-to-Deposit Ratio
Current: 86.48% · Tier avg: 83.06%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.50%
85
85th pctile
Tier 1 Capital Ratio
Current: 16.55% · Tier avg: 10.24%
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
92
92th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B