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Penncrest Bank
Altoona, PA · FDIC Certificate #30119 · Chartered 01/0
Total assets
$247.14M
Total deposits
$210.03M
Total equity
$30.15M
Net loans
$156.18M
Branches (offices)
8
Net income (YTD)
$571.00K
Rank: #2,730 of 4,213 U.S. banks by assets · #87 of 109 in Pennsylvania. Assets changed 5.6% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.47% |
| Return on equity | 3.81% |
| Net interest margin (YTD) | 3.07% |
| Equity to assets | 12.20% |
| Tier 1 leverage ratio | 13.48% |
| Uninsured deposits (share of deposits) | 6.4% |
| Noncurrent loans (share of loans) | 0.50% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 74.4% |
| Real estate loans (share of loans) | 92.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $144.45M | 92.5% | |
| Commercial & industrial | $324.00K | 0.2% | |
| Consumer / individual | $11.61M | 7.4% | |
| Construction & development | $7.39M | 4.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $215.02M | $179.04M | $426.00K | $26.01M |
| Jun 2023 | $217.93M | $186.62M | $335.00K | $25.88M |
| Jun 2024 | $223.54M | $188.53M | $268.00K | $27.15M |
| Jun 2025 | $234.12M | $199.46M | $441.00K | $28.15M |
| Jun 2026 | $247.14M | $210.03M | $571.00K | $30.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $210.03M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $210.03M.
Similar-sized banks
1St National Bank ($247.21M) · Union Bank ($247.00M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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