# PENNIAN BANK
MIFFLINTOWN, PA · FDIC certificate 7613 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $667.9M | |
| Deposits | $578.9M | |
| Loans and leases | $447.4M | |
| Total equity | $49.8M | |
| Loans / deposits | 76.35% (p38 of band) | 82.04% |
| Liquid assets / assets | 28.16% (p59 of band) | |
| Uninsured deposits / deposits | 21.79% (p35 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.09% (p58 of band) | |
| FHLB advances / assets | 5.09% | |
| Tier 1 leverage | 9.24% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -40.43% (p7 of band) | -8.10% |
| AOCI / equity | -0.86% (p27 of band) | |
| ROA (annualized) | 0.39% (p9 of band) | 1.28% |
| Net interest margin | 3.13% (p14 of band) | 3.91% |
| Efficiency ratio | 88.75% (p94 of band) | |
| Noncurrent loans | 1.09% (p75 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p55 of band) | |
| Reserve coverage of noncurrent | 110.86% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 20.82% (p26 of band) | |
| Auto loans | $84,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 139 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | noncurrent p90 |  |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 7 | capital falling, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2024-03 | 5 | losing money, NIM <2.5% | capital falling, noncurrent p90, charge-offs p90, uninsured deposits leaving |
| 2024-06 | 3 |  | reserve under noncurrent, losing money |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 | assets shrinking | expense ratio p90, NIM <2.5% |
| 2025-06 | 2 | expense ratio p90 | assets shrinking |
| 2025-09 | 4 | reserve under noncurrent, assets shrinking |  |
| 2025-12 | 3 | charge-offs p90 | reserve under noncurrent, assets shrinking |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 2 |  |  |

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

- 2026-07-30 [Pennian Bank names senior VP/commercial loan officer for Capital Region - Central Penn Business Journal](https://news.google.com/rss/articles/CBMimAFBVV95cUxNcTQ5MFFLSHBySXh4X2VLeGZJT3ZHQjFwR2sxdEpydV8tbzBlMFFhSWNzSHFjaVlnZm1TVURKQ01HY3lJbGpucEVUcWN2YzI0MV9HREFlVHVSVVN1bDRscVNjZFVYek9WSmlyZzg3VkRuNW55S1VLeDh0OFVyX1Q1dlB5X1o4QThQZEhoVFBDOWd1TGs5Q2VZUQ?oc=5) · Central Penn Business Journal
- 2026-04-28 ['Give me your money': Perry County bank teller shares moments suspect robbed them with a gun - WGAL](https://news.google.com/rss/articles/CBMif0FVX3lxTE1EZEhkYUdneURBbWlmOXF1WHlsbzUtbnVNSTlKME9nUzN5dm1WSVFJTXo4UjBvZVJLenBWaUR4VS0yRUdGZGw1d1RremVjVTh3RE12eTFtZGJlMVJQYkUyVDQxQmo5YUdrZDJibmdBM1R6cU1FQTJSM05tUUl5Njg?oc=5) · WGAL
- 2026-04-22 [MA man charged in connection to bank robbery in Perry County - fox43.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQQ2xXTEl2VkF2SGUwMWIxcjEzU25kTUNLZXdHdkQ2QlhBQWFxTk5ld24xRm5PalZOQndKVFV4aU9iYVVKU2JGeE5Dd2lyMGZzVG9Sb2hRY2RTQjdOSTF5d0o2RVBCMlcxSU1uY1RnSkZtd3BaVmRFRHRZeW5kTWJKTFdWZVZxVllkZVVVb2NwaXdxZFhfXzJ5WlZEemZLRHY4U2xtVUI5M0NjUFpBeWZ6T1NYaWZZbWY5Qy0tdDY3SmFvMzkydW1xcUdicFBlNG83V0VmSDgtRzdCWGUxYXRnYQ?oc=5) · fox43.com
- 2026-04-22 [Perry County bank robbed, arrest made at make-shift campsite - ABC27](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOVNSX081NG9aQUstMnJPdVZjSDJrX0NDVVVMT3pBRV9RekZscVEtclNfZDQwcDBtT1FCTEZWXzhBV0E2d1hrM2R0NGN2c0x4SnhWWkdfaWhqYm4zMnZtUHNuSlZXZVAzMndaWndQN2dfZlVLNU9LdE9GN1dIRmp2cDFPSkMxVUh3MzhoM2VNWHMxY2xaM3NadtIBngFBVV95cUxPOEQ1X3g3R0EtS1I1TU5Dd2tlLUhIbHRadWh5QkRVX3RzV3AycXExN202OXlIUXQwZGhQMVlfdGR4MTMyWmlkaXliT21IXzA4bm9pbnh3MXR2SVFGVXl0U2RXa2g4YkVjNk5EdHlybHdOcjhJdlB0RzFpYWlwY25uWXl2RGt2STFQODg4SjNqVUlEY1VYSHVYTXBBY2IzZw?oc=5) · ABC27
- 2026-04-22 [Troopers arrest bank robbery suspect at makeshift campsite in Juniata County - local21news.com](https://news.google.com/rss/articles/CBMikwJBVV95cUxPMGlmNkN2Z09Tb1VhM0xkQWNLblQxWEJPd0JtZzNkRkdhd0JPOHdDbmhmS0JrQkJUSUdIVUpQdU4wSUFZZ1ZEMkZQcnVUbHE0SUZaUm9qWWc4aVFrTVV3TWVuNUFWYkVxNlFDSm5MQWJINWpSWVhDckxUWThiUTFtdlN6eUdNUGp0cldTeUQwaWdMMXZ3THROQWlrSWY4LU1hb01GRVVWb0plcDhLY29raUVFaHNMc0RXZzRRZDhsLUlpSU1NdFdNZms4eGJSTUNydmNGajI5bG9GbmVSSF9pZHA2V2Z4aW8yN1hPWDNXWFF6M2JuNUEteVdQQ2ZVU3VUYXpWNm4zSzdURHpPdEU0b0NjZw?oc=5) · local21news.com
- 2026-04-27 [Worcester man allegedly cut off GPS monitor and then robbed a bank in Pennsylvania - Boston.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQNk5fb3A0N2hnLXN4anlrWXpGMDZDbUtaampZUFp3WnhUZTlQNnIyNl9raWVsa21MQm1QUjVvZ1BnVzBFLWtWSUhkYXk5czFqNkZZVVFjQ1VicXpqS0ZXV29tN3dCYTZDZEo5ZWhvclp0YzZvdWo4cGNOOXczOUtfUW13V1JoTnMxT1FNMFZoazBqMDVJai14a05UYWNfMVozeG5sMHZTRkd2SjBfdkxEbUpWV2lVSmpSLXJ0cmZzVmFUbXpYRzFn?oc=5) · Boston.com
- 2026-04-22 [Man cut off ankle monitor days before robbing central Pa. bank: police - PennLive.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOWUFtd0hPR0hjNGRIX0lPV1BDb1RDd3R4MGw5MlY0ajZhNmJGOGlMOUNfTVZqajc0cExJUGIydU1LdUh4M0c3Y2p4czNxWFBCaDBKRUNYWEZ4YkJyYkhlWkpLeWsxYnZyYTdaZzdJUWlpV2kyaFF3LWE1S2ZUSWp4bEh1YlhkVXFyeHIybkJwMW8yZ3lNY3hVWUdwN3R1dDdvZnBBLURFT0U0VDhtVHZvcFpMUG5PbllkeUJMY2EtUUtldw?oc=5) · PennLive.com
- 2026-04-22 [Massachusetts man accused of robbing Perry County bank at gunpoint, PSP say - WGAL](https://news.google.com/rss/articles/CBMioAFBVV95cUxPYTJ3anAzNGdBbF81ZDNGTjY5bG1ybHBDc2l6NlJCY1Z1eDJ2Z01tTkJZbjhCYjBXaXJzV2NvOWRfcHVzU1NaVktfMldqeHFXc080WEZvRS1tT3ZaQnRIVzNyZnhNc3UxeFgtTGZMYWVpVWMya3pJLTdmV2FUc25RYlIwLW14V254dnhxQ0NRVXNISElmZmc4LXByTTFIVlJm?oc=5) · WGAL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7613 (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/61.json (key "7613", 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