TellerScore

Headquartered in Doylestown, Pennsylvania, Penn Community Bank is a si with $3.1B in total assets and $2.5B in deposits as of Q2 2026. It operates 22 offices. Its charter dates back to 1922.

Based on its Q2 2026 filing, Penn Community Bank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 48th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (43/100; 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Tier 1 leverage ratio: 12.68%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.56%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 89.5% · 32.6% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.73%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202472
Q1 202570
Q2 202570
Q3 202566
Q4 202568
Q1 202670
Q2 202669
Tier 1 leverage ratio
5.00%8.84%12.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.19%
Q3 202412.16%
Q4 202412.22%
Q1 202512.50%
Q2 202512.45%
Q3 202512.26%
Q4 202512.46%
Q1 202612.64%
Q2 202612.68%
Noncurrent loans
0.06%0.31%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.10%
Q4 20240.09%
Q1 20250.14%
Q2 20250.14%
Q3 20250.56%
Q4 20250.49%
Q1 20260.52%
Q2 20260.56%
Return on assets
0.19%0.40%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.39%
Q4 20240.28%
Q1 20250.19%
Q2 20250.28%
Q3 20250.32%
Q4 20250.39%
Q1 20260.62%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$3.1B12.68%0.56%0.58%89.5%
Q1 202670$3.0B12.64%0.52%0.62%87.8%
Q4 202568$3.0B12.46%0.49%0.39%86.5%
Q3 202566$3.0B12.26%0.56%0.32%90.1%
Q2 202570$3.0B12.45%0.14%0.28%85.2%
Q1 202570$2.9B12.50%0.14%0.19%85.8%
Q4 202472$2.9B12.22%0.09%0.28%82.4%
Q3 202472$2.9B12.16%0.10%0.39%84.2%
Q2 202473$3.0B12.19%0.06%0.44%85.4%

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).

Capital ratio12.68%
82nd
Total risk-based capital17.19%
84th
Problem loans0.56%
47th
Net charge-offs0.03%
54th
Return on assets0.58%
10th
Net interest margin2.74%
8th
Efficiency ratio72.6%
17th
Loans to deposits89.5%
43rd
Uninsured deposits32.6%
45th
Loan-loss reserves0.94%
23rd
Texas ratio3.7%
49th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens & Northern BankBank Wellsboro, PA53 out of 100, Below average$3.1B10.0%1.70%vs
The Fidelity Deposit and Discount BankBank Dunmore, PA68 out of 100, Moderate$3.0B9.5%0.08%vs
First Citizens Community BankBank Mansfield, PA52 out of 100, Below average$3.2B9.6%1.70%vs
Nextier Bank, National AssociationBank Kittanning, PA54 out of 100, Below average$2.9B9.6%1.49%vs
Wayne BankBank Honesdale, PA53 out of 100, Below average$2.9B8.8%1.21%vs
ACNB BankBank Gettysburg, PA77 out of 100, Strong$3.3B11.2%0.40%vs

Deposit insurance

Is my money safe at Penn Community Bank?

Yes. Penn Community Bank is an FDIC-insured institution (FDIC certificate #30401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.6% of deposits ($804.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.19% (benchmark: 10%).

Check how much of your own balance is covered

22 locations

Branches

Penn Community Bank lists 22 offices in 19 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Penn Community Bank reported 1,014 home-loan applications under HMDA (LEI 549300L3C3LKXG2XBS96): 786 originated ($372,480,000 total), 129 denied, and 67 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.6%, 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
Penn Community Bank
Former names
First Savings Bank of Perkasie; First Federal Savings and Loan Association
Type
SI
FDIC certificate #
30401
RSSD ID
328777
Primary regulator
FDIC
Holding company
Penn Cmty Mutual Holdings Inc
Established
January 1, 1922
Headquarters
3969 Durham Rd, Doylestown, PA 18902
Employees
306

Quick answers

Penn Community Bank: common questions

Is Penn Community Bank FDIC insured?

Yes. Penn Community Bank is an FDIC-insured institution (FDIC certificate #30401). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Penn Community Bank's TellerScore?

69 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 Penn Community Bank ever failed?

There is no failure record for FDIC certificate #30401 in the FDIC failed bank list.

How many branches does Penn Community Bank have?

22 offices as of the latest FDIC data.

Nearby

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