Side-by-side · Q2 2026 data
First Citizens Community Bank vs Penn Community Bank
Metric by metric
| Measure | First Citizens Community Bank | Penn Community Bank |
|---|---|---|
| TellerScore | 52 | 69 (stronger) |
| Capital cushion | 46 | 77 (stronger) |
| Loan quality | 43 | 81 (stronger) |
| Earnings | 77 (stronger) | 43 |
| Funding & liquidity | 26 | 51 (stronger) |
| Problem-loan coverage | 77 | 93 (stronger) |
| Peer percentile | 9th | 53rd |
| Total assets | $3.2B | $3.1B |
| Deposits / shares | $2.4B | $2.5B |
| Capital ratio | 9.64% | 12.68% (stronger) |
| Problem loans | 1.70% | 0.56% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 1.43% (stronger) | 0.58% |
| Loans ÷ deposits | 99.1% | 89.5% (stronger) |
| Uninsured deposits | 46.4% | 32.6% (stronger) |
| Offices | 43 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 13.6% |
Penn Community Bank has the higher TellerScore (69 vs 52). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Community Bank leads on 2 and Penn Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Doylestown, PA
- Pipersville, PA