Pennian Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.9 and a capital leverage ratio of 8.9. A current level of 6.2 percent of nonperforming loans to core capital combined with 14.1 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Securities (26%), home mtgs (23%), comm re (14%), comm loans (9%), home eq lns (3%), cash (2%), consumer loans (1%), other (22%)
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
First Community Financial Corporation
Investment Rating
Address
Two North Main Street
Mifflintown, PA 17059
Mifflintown, PA 17059
Phone Number
(717) 436-2144
Year Founded
1864
FDIC Number
Website
Largest Affiliates
No affiliate information available.