🏦Bank Scorer

PENNCREST BANK

ALTOONA, PA · Supervised by FDIC

Est. 1939FDIC #30,119RSSD: FDIC-30119
Satisfactory Same

Current rating · Exam: September 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.39%

Institution Profile

FDIC BankFind

Address

1201 12th St, ALTOONA, PA

County

Blair County

Established

January 1, 1939

Total Assets

$243M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$243M

Total Deposits

$207M

Net Loans

$153M

Net Income

$232K

ROA

0.39%

ROE

3.10%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.26%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$199M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202423483.76%10.26%
202321982.65%10.50%
202227481.75%9.85%
202130581.97%9.18%
202031583.17%7.94%
201926483.33%10.61%
201829089.66%5.17%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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