Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$657M
Total Deposits
$570M
Net Loans
$423M
Net Income
$621K
ROA
0.38%
Below avg for Small banks. Peer avg: 0.44%
ROE
5.10%
Risk-Based Capital
17.03%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 117 | 79.49% | 10.26% |
| 2023 | 154 | 77.92% | 11.04% |
| 2022 | 304 | 78.62% | 9.21% |
| 2021 | 275 | 74.18% | 12.00% |
| 2020 | 223 | 71.75% | 17.49% |
| 2019 | 141 | 63.83% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2026 | Satisfactory | Intermediate Small Bank |
| Feb 2023 | Satisfactory | Intermediate Small Bank |
| Nov 2019 | Satisfactory | Intermediate Small Bank |
Exam dates and details are paywalled
Total Branches
11
Branch Deposits
$591M
1-Year Change
+1
5-year net change: -1 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/pennian-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 21.28% |
| 2018 | 221 | 66.06% | 20.36% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red