Penn Community Bank
Doylestown, Pennsylvania, Bucks County
$3.1B in total assets, the 427th largest of 4,309 US banks and 19th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 30401
- Established
- 1922
- Owned by
- Penn Cmty Mutual Holdings Inc
- Primary regulator
- FDIC
- Website
- www.penncommunitybank.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.1B | 72% | $2.2B | |
| Loans | $2.2B | 67% | $1.6B | |
| Deposits | $2.5B | 67% | $1.8B | |
| Return on assets | 0.54% | 14% | 1.19% | |
| Net interest margin | 2.74% | 8% | 3.75% | |
| Efficiency ratio | 72.6% | 83% | 58.6% | |
| Equity to assets | 10.94% | 64% | 10.31% | |
| Loans to deposits | 90% | 56% | 89% |
Growth
Total assets grew 2.6% a year over the last 5 years and 5.1% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2017 | Chelten Hills Savings Bank Abington, PA | $23M |
| Aug 2015 | First Federal Savings and Loan Association of Bucks Co Bristol, PA | $769M |
Where they operate
22 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Bucks County, PA | $2.2B | 8.6% | 3 of 28 |
| Montgomery County, PA | $142M | 0.4% | 24 of 29 |
| Lehigh County, PA | $78M | 0.7% | 19 of 24 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 1 branch since 2016 (23 to 22, −4.3%). 7 opened, 0 acquired, 8 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 23 | |||
| 2017 | Opened Jenkintown and Warminster | 2 | 0 | +2 | 25 |
| 2018 | Opened Langhorne | 1 | 0 | +1 | 26 |
| 2019 | Opened DoylestownClosed Doylestown and Wrightstown | 1 | 2 | −1 | 25 |
| 2020 | Closed Yardley | 0 | 1 | −1 | 24 |
| 2022 | Opened LansdaleClosed 4 in Pennsylvania | 1 | 4 | −3 | 21 |
| 2024 | Opened Allentown and BethlehemClosed Richlandtown | 2 | 1 | +1 | 22 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 40% | 35% | |
| Commercial real estate | 23% | 33% | |
| Multifamily | 21% | 7% | |
| Construction and land | 8% | 6% | |
| Business (C&I) | 7% | 10% | |
| Farmland | 0% | 3% | |
| Consumer | 0% | 3% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 54% | |
| Time deposits | 27% | 27% | |
| Noninterest-bearing | 13% | 20% |
Brokered deposits are 2.5% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.56% | 0.58% |
| Net charge-offs, annualized | 0.03% | 0.04% |
| Reserves to loans | 0.94% | 0.99% |
| Leverage ratio | 12.68% | 9.89% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Bucks County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/penn