BlastPoint's Banking Scorecard
Pennian Bank
Community
Specialty: Commercial
PA
FDIC cert 7613
Mifflintown, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Pennian 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
- - Flatlined Growth: Bottom 1% in Community
- - Efficiency Drag: Bottom 48% in Community
- - Return on Assets 0.83% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$662.1M
-2.0% YoY
+0.8% QoQ
|
-$729.3M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$428.7M
-4.6% YoY
-0.6% QoQ
|
-$546.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$573.7M
-1.8% YoY
+0.6% QoQ
|
-$590.9M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.34%
+61.8% YoY
+19.9% QoQ
|
-0.83% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.06%
+24.8% YoY
+5.4% QoQ
|
-0.60% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
85.19%
-6.6% YoY
-2.8% QoQ
|
+22.56% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.13%
-2.7% YoY
-41.8% QoQ
|
+0.51% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
74.74%
-2.9% YoY
-1.2% QoQ
|
-8.33% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
19.58%
+6.0% YoY
+1.3% QoQ
|
-1.47% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.73%
-5.3% YoY
-42.6% QoQ
|
+0.24% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
15.47%
+7.8% YoY
+2.4% QoQ
|
+5.23% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.70%
+15.2% YoY
+32.7% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#1 of 245 · Bottom 1% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.34%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Efficiency Drag
risk
#74 of 152 · Bottom 48% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
85.19%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.34%
(Tier avg: 1.16%, National avg: 1.12%)
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
80
80th pctile
Tier 1 Capital Ratio
Current: 15.47% · Tier avg: 10.24%
71
71th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.58% · Tier avg: 21.05%
28
28th pctile
Loan-to-Deposit Ratio
Current: 74.74% · Tier avg: 83.06%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.50%
25
25th pctile
Total Deposits
Current: $573.7M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $662.1M · Tier avg: $1.4B
23
23th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.63%
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
19
19th pctile
Total Loans
Current: $428.7M · Tier avg: $975.5M
7
7th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.16%
6
6th pctile
Efficiency Ratio
Current: 85.19% · Tier avg: 62.63%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 85.19% · Tier avg: 62.63%
7
7th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.16%
19
19th pctile
Total Loans
Current: $428.7M · Tier avg: $975.5M
20
20th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.66%
23
23th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.63%
23
23th pctile
Total Assets
Current: $662.1M · Tier avg: $1.4B
25
25th pctile
Total Deposits
Current: $573.7M · Tier avg: $1.2B
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.50%
28
28th pctile
Loan-to-Deposit Ratio
Current: 74.74% · Tier avg: 83.06%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.58% · Tier avg: 21.05%
71
71th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
80
80th pctile
Tier 1 Capital Ratio
Current: 15.47% · Tier avg: 10.24%