Penn Community Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.6 and a capital leverage ratio of 12.5. A current level of 2.9 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 18.3 percent and a “hot money” ratio of 17.0 percent.
Asset Mix:
Home mtgs (26%), securities (20%), comm re (16%), cash (6%), comm loans (4%), home eq lns (3%), other (25%)
States with Branches:
PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Penn Community Mutual Holdings Inc
Investment Rating
--
Address
3969 Durham Road
Doylestown, PA 18902
Doylestown, PA 18902
Phone Number
(215) 788-1234
Year Founded
1922
FDIC Number
Website
Largest Affiliates
No affiliate information available.