Penn Community Bank

3969 Durham Road
Doylestown, PA 18902


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30401
Date Established 1922
Assets $2.07 billion
Loans $1.40 billion
Deposits $1.44 billion
Capital $0.26 billion

Penn Community Bank is an FDIC insured institution located in Doylestown, PA. It was founded in 1922 and has approximately $2.07 billion in assets. Customers can open an account at one of its 27 branches.

For a more detailed analysis of Penn Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Penn Community Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Penn Community Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 58.67
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 7.95
Construction and Development Loans 7.42
Commercial Real Estate 23.25
Commercial and Industrial Loans 3.68
Farm Loans 0.00

Deposit Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1,000 - Learn MoreShow Less
Premium Money Market Account
0.20% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.30% $25,000 - Learn MoreShow Less
3 Mo CD
0.15% $500 - Learn MoreShow Less
6 Mo CD
0.20% $500 - Learn MoreShow Less

Fixed IRA
0.35% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
2.15% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
2.47% $500 - Learn MoreShow Less
Special: 23 Mo FIRA
2.83% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.20% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $500 - Learn MoreShow Less

Loan Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Penn Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Ally Bank
NMLS ID: 181005
4.935% 4.875% 0.25 $1,826 $1,324 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.651% 4.625% -0.13 $872 $1,286 Learn More
PenFed Credit Union
NMLS ID: 401822
4.962% 4.875% 0.00 $2,500 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Penn Community Bank
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Penn Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Penn Community Bank Locations

Financial Details

Penn Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Penn Community Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Penn Community Bank U.S. Bank Average
1.67% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, Penn Community Bank had $4,559,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $263,171,000 in equity and $9,458,000 in loans loss reserves. That gives it a Texas Ratio of 1.67%.

Return on Equity
Penn Community Bank U.S. Bank Average
4.5% 9.77%

Penn Community Bank has a Return on Equity of 4.5% versus the BestCashCow average of 9.77%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Penn Community Bank U.S. Bank Average
12.69% 12.31%

Penn Community Bank has a Capitalization of 12.69% versus the BestCashCow average of 12.31. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Penn Community Bank Balance Sheet Analysis

As of June 30, 2018, Penn Community Bank had assets of $2,074,208,000, loans of $1,399,043,000, and deposits of $1,435,518,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2018
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.04 billion
Total securities $0.48 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.40 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.10 billion
     Total Assets $1.81 billion
Total deposits $1.44 billion
      Interest-bearing deposits $1.41 billion
      Deposits held in domestic offices $1.44 billion
      % insured (estimated) 74.92%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.36 billion
Subordinated debt $0.00 billion
All other liabilities $0.02 billion
      Total Liabilities $1.81 billion
      Shareholders’ Equity $0.26 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.04 billion
Total Interest Expense $0.01 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Penn Community Bank

Branches and Savings

Is Penn Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #30401.

Why does Penn Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Penn Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Penn Community Bank a commercial bank?


Where are Penn Community Bank locations?

See branch locations nearby.

Is Penn Community Bank open on Saturdays?

Is Penn Community Bank open on Sundays?

What time does Penn Community Bank open?

What time does Penn Community Bank close?

Are Penn Community Bank ATMs Open 24/7?

Do Penn Community Bank ATMs accept cash deposits?

Can Penn Community Bank customers use other ATMs?

Do Penn Community Bank branches have notaries?

Will Penn Community Bank notarize my document?

What address for Penn Community Bank should I put for incoming ACH transfers?

Will the Penn Community Bank branch print checks?

Do Penn Community Bank checks expire?

Does Penn Community Bank require US citizenship to open account?

Can Penn Community Bank close my account?

Does Penn Community Bank Report to credit bureaus?

Does Penn Community Bank Use Equifax?

What is Penn Community Bank's ACH Routing Number?

What is Penn Community Bank's SWIFT code?


Does Penn Community Bank offer mortgages?

Compare mortgage rates here.

Does Penn Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Penn Community Bank offer personal loans?

Compare personal loan rates here.

Does Penn Community Bank offer student loans?

Will Penn Community Bank cash a check?

Will Penn Community Bank redeem a savings bond?

Does Penn Community Bank cash savings bonds?

Will Penn Community Bank cash money orders?

Can Penn Community Bank issue a money order?

Does Penn Community Bank do currency exchange?

Background on The Bank

Who owns Penn Community Bank?

How long has Penn Community Bank been around?

Can Penn Community Bank transfer to other banks?

Does Penn Community Bank have quick pay?

Does Penn Community Bank accept rolled coins?

Will Penn Community Bank accept loose change?

Where is Penn Community Bank headquarters?

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