B
PennCrest BANK
AltoonaPA
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings PennCrest BANK
Altoona, PA
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Rating B
Asset Quality Index 9.00
Capitalization Index 10.00
Liquidity Index 3.20
Profitability Index 2.80
Stability Index 6.90
Company Info PennCrest BANK
Altoona, PA
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FDIC Number 30119
Phone Number (814) 944-2011
Website www.penncrest.bank
Asset Quality PennCrest BANK
Altoona, PA
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1-Year Asset Growth 5.97%
5-Year Asset Growth 4.61%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.26%
Non-Performing Loans to Capital 1.99%
Non-Performing Loans to Loans 0.40%
Balance Sheet PennCrest BANK
Altoona, PA
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Total Assets 235.74M
Total Deposits 199.53M
Capital and Reserves PennCrest BANK
Altoona, PA
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Capital 29.53M
Leverage Ratio 13.82
Loan Loss Reserves to Loans 0.18%
Risk-Based Capital Ratio --
Liquidity PennCrest BANK
Altoona, PA
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Hot Money Ratio 14.25%
Liquidity Ratio 33.33%
Profitability PennCrest BANK
Altoona, PA
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5-Year Return on Average Assets 0.33%
Net Income 728.00K
Net Interest Spread 2.92%
Operating Profit to Average Assets 0.51%
Overhead Efficiency Ratio 84.26%
Return on Assets 0.41%
Return on Equity 3.45%