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Penn Community Bank
Doylestown, PA·FDIC Cert #30401·Charter: STATE·Est. 19220101.0·HC: PENN CMTY MUTUAL HOLDINGS INC
Total Assets
$3.0B
Q4 2025
Return on Assets
0.39%
+0.08%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
77.47%
Peer avg: 58.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
49
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.39%+0.08
ROE
3.77%+0.69
Efficiency
77.47%+0.39
Equity/Assets
0.00%+0.00
NPL Ratio
0.49%-0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.48%-3.66
Charge-offs
0.04%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.5 | 0.4 | 0.4 | 0.3 | 0.2 | 0.3 | 0.3 | 0.4 |
| ROE | 4.9 | 4.5 | 3.9 | 2.8 | 1.8 | 2.8 | 3.1 | 3.8 |
| Efficiency | 80.3 | 83.9 | 84.6 | 87.1 | 83.3 | 81.0 | 77.1 | 77.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.6 | 0.5 |
| Charge-offs | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | -0.0 | 0.0 | 0.0 |
| Loan/Deposit | 86.0 | 85.4 | 84.2 | 82.4 | 85.8 | 85.2 | 90.1 | 86.5 |
Balance Sheet
Total Assets$3.0B
Total Deposits$2.4B
Total Loans$2.1B
Total Equity$328.0M
Profitability
ROA0.39%
ROE3.77%
Efficiency Ratio77.47%
Net Income$11.7M
Risk & Asset Quality
NPL Ratio0.49%
Charge-off Rate0.04%
Loan/Deposit86.48%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans