Penn Community Bank (FDIC #30401): Bank Stress & Real-Estate Credit Exposure

Penn Community Bank (FDIC Cert #30401): bank stress 76/100, severe, STABLE over 7 days; parent PENN CMTY MUTUAL HOLDINGS INC.

Penn Community Bank (#30401) lends in 3 counties across 1 state; Penn Community Bank (#30401) reaches 154 ZIP codes: Pennsylvania 3 counties, 154 ZIPs.

Penn Community Bank (#30401) largest markets: Montgomery County, PA (142 branches, 71 ZIPs) (#30401), Bucks County, PA (1,080 branches, 60 ZIPs) (#30401), Lehigh County, PA (72 branches, 36 ZIPs) (#30401).

Penn Community Bank (#30401) reports $3.07 billion in total assets; Penn Community Bank (#30401) equity $335.9 million (10.9% of Penn Community Bank (#30401) assets); Penn Community Bank (#30401) domestic deposits $2.46 billion; Penn Community Bank (#30401) net income $8.8 million; Penn Community Bank (#30401) return on assets 0.58%; Penn Community Bank (#30401) return on equity 5.31%; Penn Community Bank (#30401) net interest income $39.1 million; Penn Community Bank (#30401) call report June 30, 2026.

Penn Community Bank (#30401) noncurrent real-estate loans 0.02% of its book; Penn Community Bank (#30401) net charge-offs on real estate 0.59%; Penn Community Bank (#30401) residential charge-offs 1.88%.

Penn Community Bank (#30401) net interest margin 2.74% against an eight-quarter Penn Community Bank (#30401) average of 2.40% (Penn Community Bank (#30401) compression -0.34 points); Penn Community Bank (#30401) real-estate loans 2.2% of equity; Penn Community Bank (#30401) non-residential real estate 187.7% of equity; Penn Community Bank (#30401) rate-exposure score 40/100, Penn Community Bank (#30401) fixed-rate trap 40/100; Penn Community Bank (#30401) risk type credit driven; Penn Community Bank (#30401) rate regime rates elevated, Penn Community Bank (#30401) snapshot October 19, 2026.

Penn Community Bank (#30401) stress score moved from 73 on June 22, 2026 to 75.6 on October 19, 2026; Penn Community Bank (#30401) ranged 73 to 75.6 over 116 snapshots.

Penn Community Bank (#30401) alerts: 3 counties; top Penn Community Bank (#30401) alert scores: Bethlehem County, PA 24 (low); Lansdale County, PA 24 (low); Warminster County, PA 24 (low).