Side-by-side · Q2 2026 data
Citizens & Northern Bank vs Penn Community Bank
Metric by metric
| Measure | Citizens & Northern Bank | Penn Community Bank |
|---|---|---|
| TellerScore | 53 | 69 (stronger) |
| Capital cushion | 50 | 77 (stronger) |
| Loan quality | 43 | 81 (stronger) |
| Earnings | 58 (stronger) | 43 |
| Funding & liquidity | 53 (stronger) | 51 |
| Problem-loan coverage | 79 | 93 (stronger) |
| Peer percentile | 11th | 53rd |
| Total assets | $3.1B | $3.1B |
| Deposits / shares | $2.6B | $2.5B |
| Capital ratio | 9.96% | 12.68% (stronger) |
| Problem loans | 1.70% | 0.56% (stronger) |
| Net charge-offs | 0.88% | 0.03% (stronger) |
| Return on assets | 0.96% (stronger) | 0.58% |
| Loans ÷ deposits | 88.9% (stronger) | 89.5% |
| Uninsured deposits | 31.4% (stronger) | 32.6% |
| Offices | 34 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 13.6% |
Penn Community Bank has the higher TellerScore (69 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens & Northern Bank leads on 3 and Penn Community Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.