Central Penn Bank & Trust is a state-chartered bank headquartered in Mifflinburg, Pennsylvania, in business for about 154 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.1B in deposits, with 14 offices.
Based on its Q2 2026 filing, Central Penn Bank & Trust scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 54th. Its strongest component is problem-loan coverage (89/100; 5.5%), and its lowest is capital cushion (40/100; 9.01%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (72 → 67), mostly because the loan quality component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 71 |
| Q4 2024 | 68 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 63 |
| Q4 2025 | 61 |
| Q1 2026 | 67 |
| Q2 2026 | 67 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.15% |
| Q3 2024 | 10.20% |
| Q4 2024 | 9.67% |
| Q1 2025 | 9.79% |
| Q2 2025 | 9.79% |
| Q3 2025 | 9.93% |
| Q4 2025 | 8.56% |
| Q1 2026 | 8.94% |
| Q2 2026 | 9.01% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.80% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.78% |
| Q1 2025 | 1.20% |
| Q2 2025 | 1.19% |
| Q3 2025 | -0.09% |
| Q4 2025 | 0.52% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $1.3B | 9.01% | 0.80% | 1.61% | 81.6% |
| Q1 2026 | 67 | $1.3B | 8.94% | 0.80% | 1.59% | 81.4% |
| Q4 2025 | 61 | $1.3B | 8.56% | 0.41% | 0.52% | 81.7% |
| Q3 2025 | 63 | $1.2B | 9.93% | 0.18% | -0.09% | 80.6% |
| Q2 2025 | 72 | $626.5M | 9.79% | 0.04% | 1.19% | 90.0% |
| Q1 2025 | 71 | $605.2M | 9.79% | 0.08% | 1.20% | 87.9% |
| Q4 2024 | 68 | $594.0M | 9.67% | 0.10% | 0.78% | 88.2% |
| Q3 2024 | 71 | $585.9M | 10.20% | 0.12% | 0.97% | 81.9% |
| Q2 2024 | 71 | $565.9M | 10.15% | 0.13% | 0.96% | 83.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Dime BankBank Honesdale, PA | 70 out of 100, Strong | $1.2B | 11.7% | 1.30% | vs |
| The Honesdale National BankBank Honesdale, PA | 84 out of 100, Strong | $1.2B | 13.7% | 0.24% | vs |
| First National Bank and Trust Company of NewtownBank Newtown, PA | 87 out of 100, Very strong | $1.2B | 12.9% | 0.00% | vs |
| American BankBank Allentown, PA | 72 out of 100, Strong | $1.1B | 10.6% | 0.00% | vs |
| Washington Financial BankBank Washington, PA | 81 out of 100, Strong | $1.4B | 14.7% | 0.46% | vs |
| Marquette Savings BankBank Erie, PA | 73 out of 100, Strong | $1.4B | 13.6% | 0.66% | vs |
Deposit insurance
Is my money safe at Central Penn Bank & Trust?
Yes. Central Penn Bank & Trust is an FDIC-insured institution (FDIC certificate #10685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.8% of deposits ($211.2M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
14 locations
Branches
Central Penn Bank & Trust lists 12 offices in 9 cities. Most locations:
- Selinsgrove, PA (3)
- Lewisburg, PA (2)
- Middleburg, PA (1)
- Mifflinburg, PA (1)
- Millheim, PA (1)
- Milton, PA (1)
- Northumberland, PA (1)
- Port Trevorton, PA (1)
- Sunbury, PA (1)
HMDA 2025
Mortgage lending
In 2025, Central Penn Bank & Trust reported 173 home-loan applications under HMDA (LEI 5493008CMM76GR76GS36): 163 originated ($34,495,000 total), 3 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Central Penn Bank & Trust
- Former names
- Mifflinburg Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 10685
- RSSD ID
- 779016
- Primary regulator
- FDIC
- Holding company
- Steele Bcorp Inc
- Established
- January 1, 1872
- Headquarters
- 250 E Chestnut St, Mifflinburg, PA 17844
- Website
- www.centralpennbank.com
- Employees
- 162
Quick answers
Central Penn Bank & Trust: common questions
Is Central Penn Bank & Trust FDIC insured?
Yes. Central Penn Bank & Trust is an FDIC-insured institution (FDIC certificate #10685). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Central Penn Bank & Trust's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Central Penn Bank & Trust ever failed?
There is no failure record for FDIC certificate #10685 in the FDIC failed bank list.
How many branches does Central Penn Bank & Trust have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mifflinburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central Keystone Federal Credit UnionCredit union Sunbury, PA | 87 out of 100, Very strong | $63.8M | 18.8% | 0.72% | vs |
| Palco Federal Credit UnionCredit union Muncy, PA | 87 out of 100, Very strong | $109.3M | 13.1% | 0.20% | vs |
| Williamsport Teachers Credit UnionCredit union South Williamsp, PA | 85 out of 100, Very strong | $15.6M | 19.5% | 0.56% | vs |
| The Turbotville National BankBank Turbotville, PA | 85 out of 100, Very strong | $243.5M | 16.5% | 1.10% | vs |
| Central Susquehanna Community Federal Credit UnionCredit union Danville, PA | 82 out of 100, Strong | $37.4M | 12.1% | 0.00% | vs |
| Milton Savings BankBank Milton, PA | 81 out of 100, Strong | $90.6M | 16.9% | 0.06% | vs |