Central Penn Bank & Trust: how it compares with its peers
Against 36 PA banks with half to twice its assets, Central Penn Bank & Trust's strongest measure in Q2 2026 is return on assets (1.61% vs. a 1.16% peer median). Its weakest relative measure is assets per employee ($7.8M vs. $7.8M).
| Measure | Central Penn Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.61% | 1.16% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.24% | 3.46% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.70% | 63.13% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $7.8M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.60% | 83.92% | Context |
What it means for lending operations
Its efficiency ratio of 50.70% is better than the 63.13% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Dime Bank Honesdale, PA · $1.19B
- The Honesdale National Bank Honesdale, PA · $1.17B
- First National Bank and Trust Company of Newtown Newtown, PA · $1.17B
- American Bank Allentown, PA · $1.11B
- Washington Financial Bank Washington, PA · $1.44B
- Marquette Savings Bank Erie, PA · $1.44B
Questions about Central Penn Bank & Trust
How big is Central Penn Bank & Trust?
Central Penn Bank & Trust, established in 1872, is headquartered in Mifflinburg, PA. It reported $1.27B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is Central Penn Bank & Trust's return on assets?
1.61% annualized in Q2 2026, against a 1.16% median for 36 PA banks with half to twice its assets, ahead of 92% of them.
What is Central Penn Bank & Trust's efficiency ratio?
50.70% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 63.13%, and lower is better.
Is Central Penn Bank & Trust growing its loans?
Net loans grew 97.6% over the year to Q2 2026, while deposits grew 117.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are PA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.