Is Penn Community Bank Safe?
Penn Community Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (41/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.29% | 100/100 |
| Nonperforming Loan Ratio | 0.06% | 99/100 |
| Liquidity Ratio | 29.53% | 98/100 |
| Return on Assets | 0.52% | 41/100 |
| Total Assets | $3.0B | |
How does Penn Community Bank compare?
With a Bank Health Score of 93/100, Penn Community Bank sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Pennsylvania, where 119 FDIC-insured banks are headquartered, Penn Community Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 17.29% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.06% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Penn Community Bank's Bank Health Score held roughly steady at 93/100. Tier 1 capital strengthened by 0.37 percentage points to 17.29%. Quarter-over-quarter, the score rose by 1.0 points.
Penn Community Bank has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (41/100).