# WILLIAM PENN BANK
LEVITTOWN, PA · FDIC certificate 27799 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $766.1M | |
| Deposits | $623.5M | |
| Loans and leases | $441.9M | |
| Total equity | $122.7M | |
| Loans / deposits | 70.45% (p30 of band) | 80.20% |
| Liquid assets / assets | 32.45% (p67 of band) | |
| Uninsured deposits / deposits | 20.88% (p34 of band) | 25.15% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.65% (p29 of band) | |
| FHLB advances / assets | 0.65% | |
| Tier 1 leverage | 17.11% (p95 of band) | 10.44% |
| Unrealized securities loss / equity | -30.06% (p24 of band) | -13.25% |
| AOCI / equity | 2.42% (p71 of band) | |
| ROA (annualized) | -0.02% (p4 of band) | 1.02% |
| Net interest margin | 2.54% (p9 of band) | 3.54% |
| Efficiency ratio | 103.22% (p97 of band) | |
| Noncurrent loans | 0.68% (p68 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 85.81% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 9.20% (p13 of band) | |
| Auto loans | $100,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 87 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, wholesale funding >15%, securities losses >30% of equity |  |
| 2011-06 | 4 | reserve under noncurrent |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | securities losses >30% of equity |
| 2012-06 | 4 | deposits shrinking |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | deposits shrinking |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | noncurrent p90 |  |
| 2017-09 | 3 |  | noncurrent p90 |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | wholesale funding >15% |
| 2018-12 | 3 | liquid assets <10% |  |
| 2019-03 | 2 |  | liquid assets <10% |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | losing money, expense ratio p90, reserve under noncurrent | loans exceed deposits |
| 2020-09 | 3 |  | losing money |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | capital falling, expense ratio p90 |  |
| 2021-12 | 2 |  | expense ratio p90 |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | noncurrent p90 | capital falling |
| 2022-09 | 2 | securities losses >30% of equity | noncurrent p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | expense ratio p90, uninsured deposits leaving | securities losses >30% of equity |
| 2023-06 | 3 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-09 | 2 |  | reserve under noncurrent |
| 2023-12 | 4 | capital falling, assets shrinking |  |
| 2024-03 | 4 | NIM <2.5% | assets shrinking |
| 2024-06 | 4 | reserve under noncurrent | capital falling |
| 2024-09 | 3 |  | securities losses >30% of equity |
| 2024-12 | 4 | securities losses >30% of equity, losing money | reserve under noncurrent |
| 2025-03 | 5 | reserve under noncurrent, assets shrinking | NIM <2.5% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-05 [Mid Penn bank completes another acquisition, its third in recent years - WFMZ.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOOF9tY1JxaVR5VUE0OVNZaW55Y0lDdTRWY3V1NVlhR0Q2cDVhNlpfTVZOd2JNZmFDendVYk9pZTVjbmZpYlZxRlRQUGdnNDBvNVZvUDlSZU43NVMyRDJVMHJiS2d1dTJjOXkyUWpEX3lfYzk4RkM1blhDR3RiM19xOFp3T3dLZUF1b2RVQkZkM3A4SEFlTTdiT1ZxaDdGM09WbHFtVUNYUUpsMzltak5CdGxhTElrVS1pUDhnWjd1Tk5sblZ4eVJKM19SVC10bWJIQTBZZ0FrejU4bFZMZVYtNldqM0FLWUFfcWJmWHNQQjBodHB2WUdZaHhhbXhVQmR2dUJDbElOdDY?oc=5) · WFMZ.com
- 2025-09-25 [Norcross-backed Mid Penn Bancorp agrees to buy Mount Laurel-based 1st Colonial Bancorp - Courier-Post](https://news.google.com/rss/articles/CBMigAJBVV95cUxPT3FpQ05mdU83UkxBSEZiVk1MVEJCcEhuSHphYW9SMkR6ODNOTWVqWDdOQTFRZnJSQm5OQ1hfQ19TUmJZUTJkcGpvU1YzaUdDOFBvTkZ4Q1NqRTVleVptOXlGeHh6ejNEQ2NldGk5SHMtRHBhVmtqdlRzNzJRMFhmSWZUMHZiT2R4aWM2SnZSZV9PTzN3ODVtM0FzdDZYQl9XRWZTV3h0TVpmeFgzemYxXzFuRmF4c09QbUxCOXpsYTBwLXJXTnJxNTJoMm5BX1RybWhFazg1Yy04RG9TWmplQWlVeEpQVGJRMHpXd1Z0dDF4YUVINGkzR2RZeVo0X21k?oc=5) · Courier-Post
- 2025-05-01 [Mid Penn Bancorp, Inc. Completes Acquisition of William Penn Bancorporation - Business Wire](https://news.google.com/rss/articles/CBMiywFBVV95cUxNQ0NHam8xbWloaVotNUt6endjejV6M1ZuMUlOOHZIYlgyMDNLVWZtaFdGVmFFZ09KN1pFSFVMakF2Q0szNnp4TFlFbUQwZHdkTnUtNWZ6ZE9JQmFReEFmempBOHJWZkZUdDBfLVVIQnZ1SVh5X2dBN2VUeXhsbGxzc0tsT3lEd3Y1MW9XYlRfMEZjdjNMRjAweE1oaGNSMW4tNkJzVEN4MDRmdVA3cHdPWXljMnJJd1BRLVNNZS0teVNhNVhVZ2lQRUg0bw?oc=5) · Business Wire
- 2024-11-21 [Mid Penn Bank’s next move: expanding its footprint while deepening community ties - PhillyVoice](https://news.google.com/rss/articles/CBMizAFBVV95cUxPVWd3blZSZTUwS2tSVDlRU1laaHJqdlhhT3dDSWdWY2taNGdpcXFHNm8yeWxTTUpodGVrSjBlNUM2OUNyakQ4NkxsbUdpZ3VPcFZsc19fUmFYSDc3LXhSbklxRDlGNWpBMUhjZTRQYm1yaHVoZkZ6M2VwcnNsdXBST1VJZ1hFV052NkxNLU91V2tJcFBLOUlsYUZGdExQd1V5V3lUaW5oRVF3RFdiOHZRNE12MkZmQmNVaTdNRVpSck5MM0Nacmt0dTNQS0Y?oc=5) · PhillyVoice
- 2025-05-01 [Mid Penn Bancorp closes $120M William Penn acquisition, plans to attack Philly with Norcross cash - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxPejU2YlNzNUhGZTZIX0FaSEFJdVhaSW4yMnl1VWxYbm1CZVBpcm0wNjdidGNWdUJaOFZKWHJlelozOGhqYTlNNVJybll2MUVxbDVYcTlaeFpsN0hTc1NOYmdsSjFMdWtoa1AxM0RNdmFlaXNnU0pSOWFEd2dpZEo5QlJ3Qmw5M0ZnZmozb3dKRUpyMS04T1Q2QTdqNjZKMjhIeTNSUnhDMkdCMFpCSjh6OQ?oc=5) · The Business Journals
- 2024-11-05 [Dauphin County bank plans to purchase Philadelphia-area financial institution - PennLive.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOc2YxVnhhd3FNenJacHdZVm1iYWpiTnA1S0R3Q2syeVFyclQ4TWw5d1U5cDhhNlpPX2hQek9sS2lDbVVjRTZHQU51M0txeDVaWXc2bU0tSHQzcFBDU25zZjQtcnhXZk9ieFRNRzRNa240cXRlSklIUjBObkkzTTVpZ0RKXzFNajlsNFZ1RlprYlFyM2hteGRGaURST3FIMEx0RUhIa3ZhY2ROR1hRZEJmUGlfTjh6QjdyUW4xdUo3azBNUQ?oc=5) · PennLive.com
- 2017-12-28 [Audubon Savings Bank to Merge with William Penn Bank in 2018 - NJ PEN](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNa0NvUVVHb0xvSVZOOGNRbHp6SWVlQjhUeVpxVWpOQWd1OW5LREhfNzVzd3dzYVNGUnFVYUV2OU5qNGxtUzdaR0k4UzBQSGc0VldPQzBDYndGT2dFdmhielVWV09qT2VNdHdsNnlPSGMzQXRZNHN1bGt2bXdMVzhsNUx3c25QNURkcUJR?oc=5) · NJ PEN
- 2019-12-07 [William Penn Bancorp to acquire two banks - PhillyBurbs](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOVXFRZGNHZ19yRUcxeXM4SjdqSWUzX2FfTjVEeUI4bGV4VDRaczgxODZTYi1TNnZJOWJfeHVXdTJlZW1OUTFYQzdieVhsbGxxc1J3a0lHaWxTcGdtazkzRzcxb2FQb2t3Mm1fNm5nNVc3Y0VMTUt6bmpXR3ZycjBWdTJPaG9oXzVVcGdNRGxkOEVucE1KQklxYUVTdXhWWG5fOTlZNG81dE4?oc=5) · PhillyBurbs

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27799 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "27799", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide