# PENN COMMUNITY BANK
DOYLESTOWN, PA · FDIC certificate 30401 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $3.07B | |
| Deposits | $2.46B | |
| Loans and leases | $2.23B | |
| Total equity | $335.9M | |
| Loans / deposits | 89.46% (p57 of band) | 87.10% |
| Liquid assets / assets | 22.76% (p57 of band) | |
| Uninsured deposits / deposits | 32.62% (p55 of band) | 30.76% |
| Brokered deposits | 1.99% | |
| Wholesale funding | 9.73% (p64 of band) | |
| FHLB advances / assets | 7.75% | |
| Tier 1 leverage | 12.68% (p81 of band) | 10.50% |
| Unrealized securities loss / equity | -23.81% (p15 of band) | -7.75% |
| AOCI / equity | -0.25% (p53 of band) | |
| ROA (annualized) | 0.58% (p10 of band) | 1.26% |
| Net interest margin | 2.74% (p8 of band) | 3.70% |
| Efficiency ratio | 72.57% (p83 of band) | |
| Noncurrent loans | 0.56% (p53 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p46 of band) | |
| Reserve coverage of noncurrent | 167.88% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 55.36% (p58 of band) | |
| Auto loans | $99,000 (0.00% of loans; DQ 5.05%, NCO 0.00%) | |
| Loans to nondepository financials | $7.2M (2% of equity) (p78 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 306 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 4 | loans exceed deposits, losing money |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | loans exceed deposits |
| 2012-03 | 2 |  | losing money |
| 2012-06 | 1 |  | wholesale funding >15% |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | noncurrent p90, assets shrinking |  |
| 2013-03 | 2 |  | assets shrinking |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | charge-offs p90 |  |
| 2014-03 | 2 |  | charge-offs p90 |
| 2014-06 | 3 | wholesale funding >15% |  |
| 2014-09 | 5 | loans exceed deposits, capital falling |  |
| 2014-12 | 4 |  | noncurrent p90 |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 | noncurrent p90 | loans exceed deposits |
| 2015-09 | 4 | expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2015-12 | 4 | capital falling | charge-offs p90 |
| 2016-03 | 2 |  | expense ratio p90, capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 2 | capital falling | reserve under noncurrent |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | capital falling, expense ratio p90 |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | expense ratio p90 |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | expense ratio p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | expense ratio p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | wholesale funding >15% |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | assets shrinking |  |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 3 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 | wholesale funding >15%, capital falling | deposits shrinking |
| 2023-09 | 4 | construction >100% equity | capital falling |
| 2023-12 | 3 |  | construction >100% equity |
| 2024-03 | 3 | NIM <2.5% | uninsured deposits leaving |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | capital falling, expense ratio p90 | securities losses >30% of equity, wholesale funding >15% |
| 2024-12 | 3 | securities losses >30% of equity | capital falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 | capital falling | expense ratio p90, securities losses >30% of equity |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 0 |  | NIM <2.5% |
| 2026-06 | 0 |  |  |

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

- 2026-06-02 [Penn Community Bank CEO Jeane Vidoni Wins State Banking Advocacy Award - MONTCO.Today](https://news.google.com/rss/articles/CBMie0FVX3lxTFA1T0JkRXhkSXhSQ0hYWVF1TGlfUU9vRTZfU1U1NWhWcEJmUE1BV05XRllveXY0QUYxX2xmdmhSR0NaeUV5ekw0ampfYWNfdDM4YnQtaWtKWTNWeVlzblFQbTZpdEZoNkpfMWNQVGlxUEx3YUVIMlZPRkpnUQ?oc=5) · MONTCO.Today
- 2026-06-30 [Penn Community Bank Invests in the Future of Banking with Southampton Financial Center Renovation - BUCKSCO.Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxOM2RLYkZyNmxNN1JWT2FmR01lRllOX2xDOHpXVXhNVmVWYVVrNFdpNEc0dndfRjNpempHazhxdFhsTU5PMU5LLXZ6aWxxRWwtWXdrXzdDUmduRDVqTVhtTmdpRG03d2hWS1FNOFdOU0d3Q29uSEluSVdkU29TWTdSVUtMcTNkYkp1WGVLMXdaSy1HQzk1?oc=5) · BUCKSCO.Today
- 2026-06-18 [Penn Community Bank CEO Jeane Vidoni honored for advocacy - Lehigh Valley Business](https://news.google.com/rss/articles/CBMiekFVX3lxTE13a3RtNVE0T3FsZDgtcWxQUG1zVm1Pd2ZPcUxLZXAwTW1nclJ0UlJyNEE3d28za1NMaEYwemJ1bXpWT21KNko3R3pQQnItY1NSM0NwbkRhYXZjNUozZHNURE02bFg3MFhuc0hNWU43OE42dGI2SlMtR0Fn?oc=5) · Lehigh Valley Business
- 2026-05-26 [Summer Concert Series Debuts At Penn Community Bank Amphitheater - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxPNk4wdDVxZXBUa1FPMTcyZ0E1NGQ2ek04UjExdXFqc09hYUc3WjZ1ZGZOMEEtd0IyUWtJQ2FyaW13dEhnLUs2dXYzWnJTR2ZkYWFjdnBDV3FiWVBOQ1VzaU1mNHZuOTRieXZQbHU5QTIybF9rcURtdDVlNnNGYTJMVmYwU1dQazlOaVRnbHFmMS1LaExSU1BDLXN3Zmc2QW42X1RV?oc=5) · Patch
- 2025-11-05 [Penn Community Bank launches ‘Operation Greater Good Food Drive’ - pottsmerc.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQcUNmMDRUdFlCanZ5SnRJQ0RwdDhtQnpTSE5kcVRFQ3hrV3daaExhYnQyYjBsalpmZDVjOEVreVQ5cWhQaENDS1VreXYza3pzYWg0Sk9jUTB3YVd3WWw1Yk80Q00xWGZxQVRrZEN6LXo5ZTBoVXl2cl9WX0Nfc1l4QWxieDVMNHJxdFlsSTA4cTcwWUR6OGdtVGVSTV83aE1ZeEE?oc=5) · pottsmerc.com
- 2025-09-24 [2025 The Most Powerful Women to Watch, No. 11, Jeane Vidoni, Penn Community Bank - American Banker](https://news.google.com/rss/articles/CBMisgFBVV95cUxPbWhmOTJjdllVdFQyMFRQS2Vua1gwX3RfbEVNWnIxbERNbEtvTXVYbFE5bG5MMGY5RTdFenU1VHZwczVKdVZIajFoTWxFdTkydFp4SHhZX3JrdlhWLW1RZG5uT1JfaWVTTk02TjJKLU1LZHpmNUI4cnhBQlZ0RVVWTFdoVGVQQ284MExGb1F1ellzWkpyRkx5M2p5OFY4RGphckZOLWM1ZE5FREVldng4UkxR?oc=5) · American Banker
- 2026-03-31 [Penn Community Bank makes leadership changes - Lehigh Valley Business](https://news.google.com/rss/articles/CBMibkFVX3lxTE15cmpVWXppaEZrWVJmaDZrQ25rVzhqYi1mU0lIOWtmQ1Jna1VvYk5ZRGhaLW5XNi1PX29VWUtMTk9hRm91NWpZZWRHc1lNaVlyaXg2bjkzVG0xbk0ydnBaQ05FV3RGbHZUUnhpWjh3?oc=5) · Lehigh Valley Business
- 2026-01-12 [Penn Community Bank Executive Takes the Dance Floor to Support Ann Silverman Clinic - BUCKSCO.Today](https://news.google.com/rss/articles/CBMiigFBVV95cUxQb29CVl9FaGFUS2xXNE53RTUyQlExSDlORzJFR3c4bkhJSm54MExUTnlMNFlYNk4zZ2xVbkplV0lGaFVJd2NnWTNMVGR2UHBjR2UyLWJPVTVHY1F6N21zNTlEbUdQY3dWZnZiOXRWekl1R01BRUsxeFJCNTFrdHFNT0pxbHU4Yjc4TXc?oc=5) · BUCKSCO.Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30401 (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/1.json (key "30401", 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.

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