🏦Bank Scorer

PENNIAN BANK

MIFFLINTOWN, PA · Supervised by FDIC

Est. 1889FDIC #7,613RSSD: FDIC-7613
Part ofFIRST COMMUNITY FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.38%

Institution Profile

FDIC BankFind

Address

2 N Main St, MIFFLINTOWN, PA

County

Juniata County

Established

April 19, 1889

Total Assets

$657M(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

January 1, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$657M

Total Deposits

$570M

Net Loans

$423M

Net Income

$621K

ROA

0.38%

ROE

5.10%

Risk-Based Capital

17.03%

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

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Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$591M

1-Year Change

+1

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411779.49%10.26%
202315477.92%11.04%
202230478.62%9.21%
202127574.18%12.00%
202022371.75%17.49%
201914163.83%21.28%
201822166.06%20.36%

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

2 previous ratings locked — dating back to 2019

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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