# PENN LIBERTY BANK
WAYNE, PA · FDIC certificate 57844 · asset band $300M-1B · latest filing 2016-06 · stopped filing (departed)

**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 | $717.7M | |
| Deposits | $638.9M | |
| Loans and leases | $503.8M | |
| Total equity | $56.5M | |
| Loans / deposits | 77.96% (p38 of band) | 83.96% |
| Liquid assets / assets | 27.06% (p58 of band) | |
| Uninsured deposits / deposits | 45.84% (p96 of band) | 19.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.57% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.44% (p10 of band) | 10.13% |
| Unrealized securities loss / equity | 0.68% (p22 of band) | 2.47% |
| AOCI / equity | 0.73% (p37 of band) | |
| ROA (annualized) | 0.48% (p14 of band) | 0.92% |
| Net interest margin | 3.26% (p27 of band) | 3.59% |
| Efficiency ratio | 75.64% (p71 of band) | |
| Noncurrent loans | 0.59% (p46 of band) | 0.67% |
| Net charge-offs (annualized) | 0.16% (p86 of band) | |
| Reserve coverage of noncurrent | 194.25% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 39.94% (p52 of band) | |
| Auto loans | $8,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 14.8% | |
| Employees | 105 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 2 | capital falling, reserve under noncurrent |  |
| 2015-03 | 1 |  | reserve under noncurrent |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 0 |  | capital falling, charge-offs p90 |

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

- 2016-04-05 [WSFS acquisition of Penn Liberty approved - Delaware Public Media](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdVZUUGdXc0ptVHZpdVNDV2hpRzc2VmQxNzZHNkxZZEtkNFZfLS1ITzJhRDNyNmlGT0wyZTI1MmVFU2dxTUQzQzFIcUFjeTl2NGZKSVl1bGRZdGd0WTJ1NHk5aVpKX0JXaFBkdzVHQTVLNlFmUzNxUGIzVzU2cFkweXl2U3NVUEhGSk1SY01IQVFlR1FaZGYw?oc=5) · Delaware Public Media
- 2015-11-24 [WSFS to acquire Penn Liberty Financial Corp - Delaware Business Times](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQSEowOUdRSnZCSG5wRmwxZFdqbm9RVVRRcXhkM0YzaUFHZnF0b3FSRXZqYXd2S1Y1aENvbXpkaE1wXzFxRVFXM0tERGpqTzFIMmliY2w3MTF6eVozWmJzbnk4S1h1LVVscGVtUTdEbWd4cEthMklaWkY3ZFI3S1BIWC1wRUZ4aU5iZlJN0gGTAUFVX3lxTE5hay1RdDZHazY3aDRUSzJpd3pVR3RTMVdSZXl6ZHNZbUt2UXpuSFdxMFN0N3FiWGpnc0doZzZiZGctYkNHTGlrdDZQZWdqeUJwWDJEa21ERjhKVklGcnZwOUpwSmFfR3libWp3SmJCM3NrZ01rbGxZb0k1dTROYUNaVDFtdG5Lc1g1aW1ja1Q0eU14MA?oc=5) · Delaware Business Times
- 2015-11-25 [Another Chesco Bank Bought: WSFS Acquires Penn Liberty Bank For $101M - VISTA.Today](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcVhxU2VwQXFBaUM2VGxFRlNwWGl4VFRWbHZLRkNpdUZKaExZQ2J6VDN6S1ZDcG41dS1KODhldTB0NnptMlZDLXp0NEVFTUJUNmloTmttY2hNb29VOEVfazFwY0R5NE1wd0JEQ0sxQ2Z6WkpvQ3lmdEF0U1lQWFJlWnFGRjhsamNBeXpOMXJYb0VQQWpWeExrbW00ZW1adlY1aFJnY05kUQ?oc=5) · VISTA.Today
- 2016-04-05 [WSFS' $101M acquisition of Penn Liberty Bank approved - delawareonline.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxPZTlCTEV5TEphVGJucHVXY2Z6X2NVblVGRWJuN0RfWnBfU2NzdWpCcEpYNldWdFNfZmp0NUMwTlljVVFMWjE1TGU0eU1RQXRBMURIRDdhSC1vSEtrc2ZPZnVEY2NpWkhGWG1ZUmtaSnpaY291emJ4elJScHNLOFZFODNHbUlWR0JyX2kwTXVEczBVOE1WbHp4UjZ5azJvejF3S3BVdUphTE9TaHk4RFlBbnhDWXFFc28wODRfbHhaNmhjNjhydkhfOVpvOC1rdw?oc=5) · delawareonline.com
- 2015-12-03 [Why Penn Liberty Bank sold to WSFS - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOaUZOc0FZLWdiZmtBMlFkcFJ4bXpIZ2ZxWjVkRmE5THI5SUNYb2dLZ2t2dlQ2X2h0NXVJbkRqcE9ZVWlzNG9ZRGNDZS1sQ21sdXhZclFLbGI2NVNDU2VfeGZpZ3FpNzQ1amtnSlNCMDlQdVF1UndQUkxHRThVbXdTUERlcHo4Z1BYOXNObV9MU2xYZ3JZSVM5czh1MmlIY0xFek53Qw?oc=5) · The Business Journals
- 2015-11-29 [Delaware's WSFS buys Wayne-based Penn Liberty Bank - Inquirer.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOb1lEYTdqZXJ0LW1Pb2dGNkdKMkwtamNZV283ZkxDMFpERjJTaXNaUXExR1ROb0ZBM0xLTVZXdU0xUEZlYVd6U3V2eU1sVjN6bjUxR3BVNU82Tmx0SFFkdnBDb1UzLUsxUm1xRjJjaVpETWFqOGV5cjBTOXF3YWZwbi1Ka3dmZTJQSEM5N2ZyeU0xbERWLWFwcjlHOGpxQUlJeGFGVzlIaEo?oc=5) · Inquirer.com
- 2009-02-19 [BUSINESS NEWS IN BRIEF: Dominic J. Catrambone joins Penn Liberty Bank - pottsmerc.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPOFkwamlZdnJoczV0MEQ1S2F3MkNZa0MwNW5DbnVNZzRzb21ZZngtSV9ZcHlwVXhoNkM3anJ3SGw2bkhwb2tISmxMUWtrbUIzSTRvTE13UVZ5bnhkMGNEWkh6YWJ0Mmszckc2X0xhNEtzakVuVmlpT2tYSEpsMmZRdVBWdXozOHhJaWZuQVUycXZDLUFjcnZhLUJYT21CMkwzRUs0YnY2WWU?oc=5) · pottsmerc.com
- 2013-05-04 [Two Shred Events Help Get Rid of Your Old Papers - Patch](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQkpEUWpScmNOWlBtVzJBdk00MGpySlMwN1JfMUhvd2Vjd1dBX0VHcGx2YTBiUWVDWWdHaTRVN2hQTWdXOHFuQXBHaDVnRG0ycWJsOTN5N2VzbWFpOGFTRFhhZW9TTHgwem56VFVqN0F0WFFvdzFvVlFMNW9JUlNtM3lnSTBPYmxtU283d2VyWlNxZw?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57844 (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/52.json (key "57844", 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