The Pennsville National Bank (FDIC certificate #19978) is based in Pennsville, New Jersey. Its Q2 2026 call report shows $281.8M in total assets and $251.6M in deposits and 6 offices.
Based on its Q2 2026 filing, The Pennsville National Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 50 banks headquartered in New Jersey, it ranks 24th. Its strongest component is problem-loan coverage (88/100; 6.2%), and its lowest is capital cushion (52/100; 10.23%).
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 3 points (69 → 66), mostly because the loan quality component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 67 |
| Q2 2025 | 69 |
| Q3 2025 | 71 |
| Q4 2025 | 68 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.50% |
| Q3 2024 | 8.74% |
| Q4 2024 | 8.87% |
| Q1 2025 | 8.97% |
| Q2 2025 | 9.28% |
| Q3 2025 | 9.58% |
| Q4 2025 | 9.79% |
| Q1 2026 | 9.98% |
| Q2 2026 | 10.23% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.61% |
| Q4 2025 | 1.05% |
| Q1 2026 | 1.18% |
| Q2 2026 | 1.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.93% |
| Q3 2024 | 0.95% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.34% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.44% |
| Q4 2025 | 1.49% |
| Q1 2026 | 1.40% |
| Q2 2026 | 1.48% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $281.8M | 10.23% | 1.41% | 1.48% | 51.7% |
| Q1 2026 | 67 | $289.7M | 9.98% | 1.18% | 1.40% | 47.9% |
| Q4 2025 | 68 | $287.6M | 9.79% | 1.05% | 1.49% | 48.9% |
| Q3 2025 | 71 | $283.7M | 9.58% | 0.61% | 1.44% | 45.1% |
| Q2 2025 | 69 | $281.1M | 9.28% | 0.78% | 1.45% | 43.2% |
| Q1 2025 | 67 | $288.5M | 8.97% | 0.83% | 1.34% | 39.9% |
| Q4 2024 | 63 | $282.5M | 8.87% | 0.87% | 1.03% | 39.6% |
| Q3 2024 | 63 | $274.9M | 8.74% | 0.75% | 0.95% | 38.2% |
| Q2 2024 | 64 | $273.7M | 8.50% | 0.60% | 0.93% | 35.5% |
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).
Similar-size banks in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Bank of Sea Isle CityBank Sea Isle City, NJ | 62 out of 100, Moderate | $311.1M | 9.7% | 0.00% | vs |
| Franklin BankBank Pilesgrove, NJ | 72 out of 100, Strong | $334.1M | 10.3% | 0.15% | vs |
| The First National Bank of AbseconBank Absecon, NJ | 70 out of 100, Strong | $195.0M | 10.2% | 0.06% | vs |
| United Roosevelt Savings BankBank Carteret, NJ | 57 out of 100, Moderate | $381.2M | 9.1% | 0.03% | vs |
| Millville Savings BankBank Millville, NJ | 81 out of 100, Strong | $169.9M | 13.6% | 0.12% | vs |
| Ascendia BankBank Glen Rock, NJ | 62 out of 100, Moderate | $395.3M | 9.3% | 0.13% | vs |
Deposit insurance
Is my money safe at The Pennsville National Bank?
Yes. The Pennsville National Bank is an FDIC-insured institution (FDIC certificate #19978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.6% of deposits ($69.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.23%, well 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%).
6 locations
Branches
The Pennsville National Bank lists 6 offices in 6 cities. Most locations:
- Carneys Point, NJ (1)
- Elmer, NJ (1)
- Mullica Hill, NJ (1)
- Pedricktown, NJ (1)
- Pennsville, NJ (1)
- Woodstown, NJ (1)
Identity & history
Profile
- Legal name
- The Pennsville National Bank
- Type
- National bank
- FDIC certificate #
- 19978
- RSSD ID
- 828110
- Primary regulator
- OCC
- Holding company
- Penn Bancshares Inc
- Established
- June 23, 1969
- Headquarters
- 170 S Broadway, Pennsville, NJ 08070
- Website
- www.pennsvillenb.com
- Employees
- 41
Quick answers
The Pennsville National Bank: common questions
Is The Pennsville National Bank FDIC insured?
Yes. The Pennsville National Bank is an FDIC-insured institution (FDIC certificate #19978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Pennsville National Bank's TellerScore?
66 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 The Pennsville National Bank ever failed?
There is no failure record for FDIC certificate #19978 in the FDIC failed bank list.
How many branches does The Pennsville National Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pennsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Police & Fire Federal Credit UnionCredit union Philadelphia, PA | 96 out of 100, Very strong | $10.2B | 18.6% | 0.24% | vs |
| HSBC Trust Company (Delaware), National AssociationBank Wilmington, DE | 94 out of 100, Very strong | $57.2M | 97.8% | 0.00% | vs |
| Deutsche Bank Trust Company DelawareBank Newark, DE | 93 out of 100, Very strong | $141.4M | 93.2% | 0.00% | vs |
| Applied BankBank Wilmington, DE | 93 out of 100, Very strong | $274.1M | 17.5% | 0.00% | vs |
| Holy Trinity Baptist Federal Credit UnionCredit union Philadelphia, PA | 93 out of 100, Very strong | $30K | 30.3% | 0.00% | vs |
| United Savings BankBank Philadelphia, PA | 89 out of 100, Very strong | $460.6M | 17.4% | 0.00% | vs |