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Central Penn Bank & Trust
Mifflinburg, PA · FDIC Certificate #10685 · Chartered 01/0
Total assets
$1.27B
Total deposits
$1.12B
Total equity
$124.46M
Net loans
$914.76M
Branches (offices)
13
Net income (YTD)
$10.11M
Rank: #861 of 4,213 U.S. banks by assets · #38 of 109 in Pennsylvania. Assets changed 102.2% and deposits 117.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.61% |
| Return on equity | 16.61% |
| Net interest margin (YTD) | 4.24% |
| Equity to assets | 9.82% |
| Tier 1 leverage ratio | 9.01% |
| Uninsured deposits (share of deposits) | 18.8% |
| Noncurrent loans (share of loans) | 0.80% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 81.6% |
| Real estate loans (share of loans) | 83.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $763.79M | 83.5% | |
| Commercial & industrial | $115.37M | 12.6% | |
| Consumer / individual | $10.81M | 1.2% | |
| Construction & development | $30.40M | 3.3% | |
| Agricultural | $9.20M | 1.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $548.95M | $479.75M | $3.05M | $46.71M |
| Jun 2023 | $550.17M | $462.92M | $2.48M | $48.97M |
| Jun 2024 | $565.87M | $479.66M | $2.68M | $52.03M |
| Jun 2025 | $626.50M | $514.65M | $3.62M | $56.25M |
| Jun 2026 | $1.27B | $1.12B | $10.11M | $124.46M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.12B | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.12B.
Similar-sized banks
The Merchants National Bank ($1.27B) · Jd Bank ($1.26B)
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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