TellerScore

Headquartered in Mifflintown, Pennsylvania, Pennian Bank is a state-chartered bank with $667.9M in total assets and $578.9M in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1889.

Pennian Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 11% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 90th. Problem-loan coverage contributes the most (82/100, 8.8%); earnings contributes the least (36/100, 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Tier 1 leverage ratio: 9.24%
Loan quality64/100
Noncurrent loans ÷ total loans: 1.09%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 76.3% · 21.8% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.84%

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 4 points (59 → 55), mostly because the loan quality component weakened by 12 points.

TellerScore
455259Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202451
Q4 202450
Q1 202557
Q2 202559
Q3 202545
Q4 202554
Q1 202656
Q2 202655
Tier 1 leverage ratio
5.00%7.17%9.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.14%
Q3 20248.36%
Q4 20248.52%
Q1 20258.85%
Q2 20258.88%
Q3 20258.68%
Q4 20258.92%
Q1 20269.33%
Q2 20269.24%
Noncurrent loans
0.73%1.33%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.18%
Q3 20241.10%
Q4 20241.15%
Q1 20250.92%
Q2 20250.73%
Q3 20251.93%
Q4 20251.12%
Q1 20261.12%
Q2 20261.09%
Return on assets
0.14%0.31%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.14%
Q3 20240.24%
Q4 20240.21%
Q1 20250.46%
Q2 20250.47%
Q3 20250.28%
Q4 20250.34%
Q1 20260.38%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$667.9M9.24%1.09%0.39%76.3%
Q1 202656$657.4M9.33%1.12%0.38%74.3%
Q4 202554$662.1M8.92%1.12%0.34%74.7%
Q3 202545$656.7M8.68%1.93%0.28%75.6%
Q2 202559$674.4M8.88%0.73%0.47%73.9%
Q1 202557$668.3M8.85%0.92%0.46%76.6%
Q4 202450$675.5M8.52%1.15%0.21%77.0%
Q3 202451$695.5M8.36%1.10%0.24%81.1%
Q2 202448$707.7M8.14%1.18%0.14%79.4%

2,650 peers · $100 million – $1 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 ratio9.24%
16th
Total risk-based capital16.52%
76th
Problem loans1.09%
26th
Net charge-offs0.01%
43rd
Return on assets0.39%
10th
Net interest margin3.13%
14th
Efficiency ratio88.8%
7th
Loans to deposits76.3%
57th
Uninsured deposits21.8%
58th
Loan-loss reserves1.21%
52nd
Texas ratio8.8%
21st

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
New Tripoli BankBank New Tripoli, PA66 out of 100, Moderate$674.0M10.6%0.89%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs
InFirst BankBank Indiana, PA69 out of 100, Moderate$683.2M9.5%0.10%vs
Asian BankBank Philadelphia, PA72 out of 100, Strong$685.9M19.1%1.22%vs
Reliance Savings BankBank Altoona, PA67 out of 100, Moderate$648.9M12.2%0.26%vs
Phoenixville Federal Bank and TrustBank Phoenixville, PA67 out of 100, Moderate$648.0M12.6%1.25%vs

Deposit insurance

Is my money safe at Pennian Bank?

Yes. Pennian Bank is an FDIC-insured institution (FDIC certificate #7613). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.8% of deposits ($126.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.24%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.52% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Pennian Bank lists 11 offices in 9 cities. Most locations:

  • Mifflintown, PA (3)
  • East Waterford, PA (1)
  • Elizabethville, PA (1)
  • Ickesburg, PA (1)
  • Lemoyne, PA (1)
  • Loysville, PA (1)
  • New Bloomfield, PA (1)
  • Newport, PA (1)
  • Thompsontown, PA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pennian Bank reported 178 home-loan applications under HMDA (LEI 254900XY9IETIM2DL872): 145 originated ($36,495,000 total), 9 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, 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
Pennian Bank
Former names
The First National Bank of Mifflintown
Type
State-chartered bank
FDIC certificate #
7613
RSSD ID
212018
Primary regulator
FDIC
Holding company
First Community Financial Corp
Established
April 19, 1889
Headquarters
2 N Main St, Mifflintown, PA 17059
Employees
139

Quick answers

Pennian Bank: common questions

Is Pennian Bank FDIC insured?

Yes. Pennian Bank is an FDIC-insured institution (FDIC certificate #7613). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Pennian Bank's TellerScore?

55 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 Pennian Bank ever failed?

There is no failure record for FDIC certificate #7613 in the FDIC failed bank list.

How many branches does Pennian Bank have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mifflintown

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of LandisburgBank Landisburg, PA80 out of 100, Strong$417.1M17.0%1.61%vs
MCS BankBank Milroy, PA73 out of 100, Strong$224.7M11.7%0.36%vs
First Area Federal Credit UnionCredit union Lewistown, PA71 out of 100, Strong$29.9M10.1%1.15%vs
The Juniata Valley BankBank Mifflintown, PA70 out of 100, Strong$917.9M8.6%0.05%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs
Orrstown BankBank Harrisburg, PA70 out of 100, Strong$5.6B10.0%0.60%vs