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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Altoona, PA · FDIC certificate #30119
PENNCREST BANK is an FDIC-insured institution based in Altoona, PA (FDIC certificate #30119). In its Q3 2026 Call Report it reported total assets of $246M, total deposits of $209M and net loans of $158M. Its primary federal regulator is FDIC.
Plain-language readout
PENNCREST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $247M in Q2 2026 and were lowest at $243M in Q1 2026.
Total deposits were highest at $210M in Q2 2026 and lowest at $207M in Q1 2026.
Over the whole period total assets rose 1.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $246M | $209M | $158M | 0.50% | 4.09% | 3.12% |
| Q2 2026 | $247M | $210M | $156M | 0.47% | 3.81% | 3.07% |
| Q1 2026 | $243M | $207M | $153M | 0.39% | 3.10% | 3.01% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.5M | $9.1M | +$461K | +5.1% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $68.8M | $68.1M | +$670K | +1.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $156.2M | $153.2M | +$3.0M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.7M | +$56K | +2.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $198K | $209K | -$11K | -5.3% |
| All other assets | $9.7M | $9.6M | +$86K | +0.9% |
| Total assets | $247.1M | $242.9M | +$4.2M | +1.7% |
| Liabilities | ||||
| Total deposits | $210.0M | $206.7M | +$3.3M | +1.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $6.4M | $6.0M | +$400K | +6.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $555K | $523K | +$32K | +6.1% |
| Total liabilities | $217.0M | $213.2M | +$3.8M | +1.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $34.1M | $33.8M | +$339K | +1.0% |
| Accumulated other comprehensive income | -$3.9M | -$4.1M | +$138K | +3.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $30.2M | $29.7M | +$477K | +1.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $786K | $742K | +$44K | +5.9% |
| Adjusted nonperforming assets | $786K | $742K | +$44K | +5.9% |
| Tangible equity plus allowance | $30.2M | $29.7M | +$533K | +1.8% |
| Texas ratio (gross) | 2.60% | 2.50% | +0.10 pts | See points |
| Texas ratio (adjusted) | 2.60% | 2.50% | +0.10 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.60% | 2.50% | +0.10 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 13.48% | 13.72% | -0.24 pts | See points |
| Construction and land loans to total capital | 21.65% | 17.85% | +3.80 pts | See points |
| Commercial real estate to total capital | 22.19% | 18.25% | +3.95 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.72% | -15.39% | +0.67 pts | See points |
| Liquidity | ||||
| Core deposits | $201.4M | $198.2M | +$3.2M | +1.6% |
| Non-core funding | $15.0M | $14.5M | +$548K | +3.8% |
| Loans to core deposits | 77.67% | 77.39% | +0.28 pts | See points |
| Loans to deposits | 74.48% | 74.22% | +0.26 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 6.42% | 6.72% | -0.30 pts | See points |
| Loans pledged, share of loans | 57.24% | 58.63% | -1.39 pts | See points |
| Volatile liabilities | $15.0M | $14.5M | +$548K | +3.8% |
| Earnings | ||||
| Earnings before provision, year to date | $759K | $279K | +$480K | +172.0% |
| Earnings before provision, single quarter | $480K | $279K | +$201K | +72.0% |
| Provision for credit losses, year to date | $50K | $0K | +$50K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 4.84% | 4.78% | +0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.60% | 3.52% | +0.08 pts | See points |
| Total interest income to average assets | 4.02% | 3.94% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.31% | 0.30% | +0.00 pts | See points |
| Cost of savings and money market deposits | 0.25% | 0.23% | +0.01 pts | See points |
| Cost of time deposits | 3.18% | 3.21% | -0.03 pts | See points |
| Total interest expense to average assets | 1.16% | 1.17% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $246M | $209M | $158M | 0.50% | 4.09% | 3.12% |
| 2026-06-30 | $247M | $210M | $156M | 0.47% | 3.81% | 3.07% |
| 2026-03-31 | $243M | $207M | $153M | 0.39% | 3.10% | 3.01% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $199.5M | 0.04% | 116 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.