The Pennsville National Bank: how it compares with its peers
Against 11 NJ banks with half to twice its assets, The Pennsville National Bank's strongest measure in Q2 2026 is return on assets (1.48% vs. a 0.33% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $8.9M).
| Measure | The Pennsville National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.48% | 0.33% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 2.97% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.19% | 87.69% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $8.9M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 51.71% | 90.56% | Context |
What it means for lending operations
Its efficiency ratio of 55.19% is better than the 87.69% 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
- 1st Bank of Sea Isle City Sea Isle City, NJ · $311M
- Franklin Bank Pilesgrove, NJ · $334M
- The First National Bank of Absecon Absecon, NJ · $195M
- United Roosevelt Savings Bank Carteret, NJ · $381M
- Millville Savings Bank Millville, NJ · $170M
- Ascendia Bank Glen Rock, NJ · $395M
Questions about The Pennsville National Bank
How big is The Pennsville National Bank?
The Pennsville National Bank, established in 1969, is headquartered in Pennsville, NJ. It reported $282M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Pennsville National Bank's return on assets?
1.48% annualized in Q2 2026, against a 0.33% median for 11 NJ banks with half to twice its assets, ahead of 100% of them.
What is The Pennsville National Bank's efficiency ratio?
55.19% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 87.69%, and lower is better.
Is The Pennsville National Bank growing its loans?
Net loans grew 19.1% over the year to Q2 2026, while deposits shrank 0.6%.
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 NJ 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 New Jersey bank ranked.