Pennian Bank: how it compares with its peers
Against 44 PA banks with half to twice its assets, Pennian Bank's strongest measure in Q2 2026 is net interest margin (3.13% vs. a 3.39% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $7.7M).
| Measure | Pennian Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.39% | 0.98% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.13% | 3.39% | Middle third Ahead of 36% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.75% | 64.56% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $7.7M | Bottom third Ahead of 2% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.35% | 82.93% | Context |
What it means for lending operations
Its efficiency ratio of 88.75% is above the 64.56% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- New Tripoli Bank New Tripoli, PA · $674M
- PS Bank Wyalusing, PA · $675M
- InFirst Bank Indiana, PA · $683M
- Asian Bank Philadelphia, PA · $686M
- Reliance Savings Bank Altoona, PA · $649M
- Phoenixville Federal Bank and Trust Phoenixville, PA · $648M
Questions about Pennian Bank
How big is Pennian Bank?
Pennian Bank, established in 1889, is headquartered in Mifflintown, PA. It reported $668M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Pennian Bank's return on assets?
0.39% annualized in Q2 2026, against a 0.98% median for 44 PA banks with half to twice its assets, ahead of 11% of them.
What is Pennian Bank's efficiency ratio?
88.75% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 64.56%, and lower is better.
Is Pennian Bank growing its loans?
Net loans grew 1.2% over the year to Q2 2026, while deposits shrank 2.0%.
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.