Central Penn Bank&Trust (FDIC #10685): Bank Stress & Real-Estate Credit Exposure
Central Penn Bank&Trust (FDIC Cert #10685): bank stress 59/100, moderate, STABLE over 7 days; parent STEELE BCORP INC.
Central Penn Bank&Trust (#10685) lends in 4 counties across 1 state; Central Penn Bank&Trust (#10685) reaches 90 ZIP codes: Pennsylvania 4 counties, 90 ZIPs.
Central Penn Bank&Trust (#10685) largest markets: Centre County, PA (35 branches, 35 ZIPs) (#10685), Northumberland County, PA (112 branches, 28 ZIPs) (#10685), Snyder County, PA (75 branches, 15 ZIPs) (#10685), Union County, PA (42 branches, 14 ZIPs) (#10685).
Central Penn Bank&Trust (#10685) reports $1.27 billion in total assets; Central Penn Bank&Trust (#10685) equity $124.5 million (9.8% of Central Penn Bank&Trust (#10685) assets); Central Penn Bank&Trust (#10685) domestic deposits $1.12 billion; Central Penn Bank&Trust (#10685) net income $10.1 million; Central Penn Bank&Trust (#10685) return on assets 1.61%; Central Penn Bank&Trust (#10685) return on equity 16.61%; Central Penn Bank&Trust (#10685) net interest income $24.9 million; Central Penn Bank&Trust (#10685) call report June 30, 2026.
Central Penn Bank&Trust (#10685) noncurrent real-estate loans: none reported; Central Penn Bank&Trust (#10685) net charge-offs on real estate 0.69%; Central Penn Bank&Trust (#10685) residential charge-offs 0.93%.
Central Penn Bank&Trust (#10685) net interest margin 4.24% against an eight-quarter Central Penn Bank&Trust (#10685) average of 3.60% (Central Penn Bank&Trust (#10685) compression -0.64 points); Central Penn Bank&Trust (#10685) non-residential real estate 92.7% of equity; Central Penn Bank&Trust (#10685) rate-exposure score 40/100, Central Penn Bank&Trust (#10685) fixed-rate trap 40/100; Central Penn Bank&Trust (#10685) risk type credit driven; Central Penn Bank&Trust (#10685) rate regime rates elevated, Central Penn Bank&Trust (#10685) snapshot October 20, 2026.
Central Penn Bank&Trust (#10685) stress score moved from 58.3 on June 22, 2026 to 59.1 on October 20, 2026; Central Penn Bank&Trust (#10685) ranged 58.3 to 59.1 over 117 snapshots.
Central Penn Bank&Trust (#10685) alerts: 4 counties; top Central Penn Bank&Trust (#10685) alert scores: Mifflinburg County, PA 21 (low); Millheim County, PA 21 (low); Selinsgrove County, PA 21 (low); Sunbury County, PA 21 (low).