Penn Community Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Penn Community Bank (FDIC Cert #30401) at 76/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Penn Community Bank is held under Penn Cmty Mutual Holdings Inc, its financials are open to scrutiny and its trend can be independently checked. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Penn Community Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The value is in the linkage: Penn Community Bank's severe reading is mapped onto 154 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Its footprint is compact and single-state: 154 ZIP codes in 3 counties over 1 states. Its heaviest exposure sits in Pennsylvania (3 counties). No bank is too small to score the same way: Penn Community Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 154-ZIP profile means exactly what it would for any institution nationwide. County by county, that footprint includes Montgomery County, PA, Bucks County, PA, Lehigh County, PA, among others DLRadar tracks parcel by parcel. The combination of a severe reading and a compact footprint is what makes Penn Community Bank worth watching as a supply signal.

For buyers, lender stress is an early map of supply: when Penn Community Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.