Pennian Bank (FDIC #7613): Bank Stress & Real-Estate Credit Exposure
Pennian Bank (FDIC Cert #7613): bank stress 92/100, severe, STABLE over 7 days; parent FIRST COMMUNITY FINANCIAL CORP.
Pennian Bank (#7613) lends in 4 counties across 1 state; Pennian Bank (#7613) reaches 77 ZIP codes: Pennsylvania 4 counties, 77 ZIPs.
Pennian Bank (#7613) largest markets: Dauphin County, PA (31 branches, 31 ZIPs) (#7613), Cumberland County, PA (21 branches, 21 ZIPs) (#7613), Perry County, PA (64 branches, 16 ZIPs) (#7613), Juniata County, PA (75 branches, 15 ZIPs) (#7613).
Pennian Bank (#7613) reports $667.9 million in total assets; Pennian Bank (#7613) equity $49.8 million (7.4% of Pennian Bank (#7613) assets); Pennian Bank (#7613) domestic deposits $578.9 million; Pennian Bank (#7613) net income $1.3 million; Pennian Bank (#7613) return on assets 0.39%; Pennian Bank (#7613) return on equity 5.29%; Pennian Bank (#7613) net interest income $9.7 million; Pennian Bank (#7613) call report June 30, 2026.
Pennian Bank (#7613) noncurrent real-estate loans: none reported; Pennian Bank (#7613) net charge-offs on real estate 1.29%; Pennian Bank (#7613) multifamily charge-offs 4.84%; Pennian Bank (#7613) residential charge-offs 2.09%.
Pennian Bank (#7613) net interest margin 3.13% against an eight-quarter Pennian Bank (#7613) average of 2.85% (Pennian Bank (#7613) compression -0.28 points); Pennian Bank (#7613) non-residential real estate 209.0% of equity; Pennian Bank (#7613) rate-exposure score 40/100, Pennian Bank (#7613) fixed-rate trap 40/100; Pennian Bank (#7613) risk type credit driven; Pennian Bank (#7613) rate regime rates elevated, Pennian Bank (#7613) snapshot October 20, 2026.
Pennian Bank (#7613) stress score moved from 90.6 on June 22, 2026 to 91.6 on October 20, 2026; Pennian Bank (#7613) ranged 90.6 to 91.6 over 117 snapshots.
Pennian Bank (#7613) alerts: 4 counties; top Pennian Bank (#7613) alert scores: Elizabethville County, PA 29 (low); Lemoyne County, PA 29 (low); Newport County, PA 29 (low); Thompsontown County, PA 29 (low).