# NATIONAL PENN BANK
ALLENTOWN, PA · FDIC certificate 7414 · asset band $1-10B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $9.63B | |
| Deposits | $6.91B | |
| Loans and leases | $6.23B | |
| Total equity | $1.07B | |
| Loans / deposits | 89.02% (p55 of band) | 86.87% |
| Liquid assets / assets | 27.46% (p63 of band) | |
| Uninsured deposits / deposits | 34.16% (p70 of band) | 25.28% |
| Brokered deposits | 0.14% | |
| Wholesale funding | 16.18% (p75 of band) | |
| FHLB advances / assets | 10.08% | |
| Tier 1 leverage | 8.32% (p13 of band) | 9.62% |
| Unrealized securities loss / equity | 4.66% (p86 of band) | 1.65% |
| AOCI / equity | 1.41% (p79 of band) | |
| ROA (annualized) | 1.08% (p67 of band) | 0.92% |
| Net interest margin | 3.13% (p27 of band) | 3.47% |
| Efficiency ratio | 60.33% (p34 of band) | |
| Noncurrent loans | 0.59% (p43 of band) | 0.66% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 212.91% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 17.96% (p24 of band) | |
| Auto loans | $158.9M (2.55% of loans; DQ 1.10%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 1428 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | wholesale funding >15% |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2013-06 | 1 |  | capital falling, losing money |
| 2013-09 | 0 |  | expense ratio p90 |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | wholesale funding >15%, capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 0 |  | wholesale funding >15% |
| 2015-12 | 1 | wholesale funding >15% |  |
| 2016-03 | 2 | capital falling |  |

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

- 2026-08-24 [Bank deals another blow to Boyertown - WFMZ.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOeC1sdW9tanZ0Q2FadWZ5RnVhdmoyVTQtNXg2d1pDRHZrOFRQZ1gyMTZ6UDBkT0cwdDZ1Nm1RQk5XUFk4NDJHTTA1cm5TZkN3bGV6MkNQOGIzemlDazV2QTJZWnExWHdwclhnUlVTUUVFdkZEVFhTSkRFYkdrVUd1SDdnbEV2WUZLdVA4dU9xdUlQMkZOV3dDbVFZNHNTbDJNNjhRUmFtTldNR0xCaGt6dmNpaVJLcjRJbmJteHhPQ3Y?oc=5) · WFMZ.com
- 2016-04-04 [BB&T completes acquisition of National Penn Bank - readingeagle.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQcmZtbDJsODg1WGVqVng3VGxOQ3NLWWNSV0JRZml0MW9LQlpYNVNRanlwNWYyRmdWTlFEVC1WRDlqNnJJMHlXVmNCY3RBdjF6ZWpVVXFzbHNMMWRMcWhOc2VkMTViN0MxVldWV2VUaG1LdDFLM3pxSTVHWDl4MzRBX19QeE0ydGtiN2o3SGltVVZPUQ?oc=5) · readingeagle.com
- 2016-04-04 [National Penn Bank officially acquired in $1.8 billion deal - The Morning Call](https://news.google.com/rss/articles/CBMilgFBVV95cUxNajF0WHVNVVg4YWZ1bHpTUXFYWm5FWk9UR0ZLR1JjdlgxdFBvelBKeVFzTldYaEdlTDlVaU4wbnZJVnBoZG5ZQ19JN21uYy1pM08za3lIUmpMZFl1WWdKZ3ZDOUMyZGxWcFYzRGV2OThwbGx4YUZIVmFuNGo5czlaZjRKQ1o2RFA2THdXbks4RXh4b2lOMUE?oc=5) · The Morning Call
- 2023-11-25 [Blair Rush - Delaware Valley University](https://news.google.com/rss/articles/CBMiQ0FVX3lxTE9USTU4ODJUSW5fV1dtTzVYdHhLRDZ2a2IzOW5haHhjejRNUHhGeHB2N01EZi05WkliX180NWl2WnlfeGc?oc=5) · Delaware Valley University
- 2026-02-06 [Donald W. Hans Jr. Obituary (2026) - Phoenixville, PA - Catagnus Funeral Home & Cremation Center, LLC - Pottstown - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1OMThxdXBWNFlTcG1hUDVYdmpFQTk1NHBxNTVlSk5kLVg3SXJmdDBldmlUMnJBWGdPc2ZCM0ZkVko0ejA2NUVnb3JJTWpjZzEwVFd0a3hPYkFsMTlRdWxBaFFiZWN6bERkd3h1TzNPWmtGMjFRTGZGUFVnYUxkSlk?oc=5) · legacy.com
- 2016-01-15 [Numerous banks serve area but not one calls Hazleton home - The Standard-Speaker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOSDJ2a0Y0Tm8tdHRoLUlsRE5hekh5X2RCQnZxbE44T05qTFNNMjkteEJ6ZV9zMVVtY1RjSk8wRTlxeUtVTnV1YnE0QmExY1NMakVWTXl1NXVvdE14US1QNUlWcm5XeVhqVlJBMGlPeGIyNDVSdkNzUTlpUV9QeG91ejU0SGx1Qk5jOTZ5VHM2NEtvNGNHc1dZUldTdnhqSEtjcUw4?oc=5) · The Standard-Speaker
- 2017-07-17 [Former National Penn Bank branch in Pottstown is among 9 properties being auctioned off by BB&T - pottsmerc.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQLVFJZy13Z25oWFkxS2pNWDAxdGp1WUU4R3dnS1dWcGRLTEQ0dF9jZExyUEo0bVhfXzNLemRaU2tDNnFvY1NwOFVxUTd0RmxYRzJ3S1FhLUdnbGhjc1Bqc3VZcmxWOTZJNzlhTG9fNGJLNTg2c2dNclpacDJWZktWS2FBald0SU1zWGJ2RDFfc1ZtcDFfWFY2WWlwSE4xaWhuWEZmMVRMTjJ3T0d6bkxSNGdGMkw3U1BlRHVqYk5FQVdhMkR2bGpkZEF0RHg?oc=5) · pottsmerc.com
- 2016-01-21 [BB&T sets date to complete purchase of National Penn Bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQOXJzaElEckRDMG5kQ1BGbDFsRXMwYmYzSnpyVW5rSDJXZ28tVjNJczlPUDFuQXk4UnNWbnNsTXJ3RXhsWldyYUgwelo2SHJTTlNoQ3R2Z3Q5akFvTGFRSl84S01RRjF3MVI0RmxxOExDNmY0MG1heVU1cm85UmdsdUFib3lUT0hXQzhtZjFNTGZZTmgxUE1QbDBjbFBMQlFJWFYwZA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7414 (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/54.json (key "7414", 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