Total Assets
$1.3B
Total balance-sheet footings
FDIC Cert #10685 · Mifflinburg, Pennsylvania · Est. 1872
Central Penn Bank & Trust - FDIC Bank Health Profile
A community-scale look at Central Penn Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.3B
- Total assets
- C
- Health grade · Fair
- 0.52%
- Return on assets
- 8.6%
- Tier 1 capital
Data updated July 2026
The verdict
Central Penn Bank & Trust earns a PlainBankData health grade of C (60/100), with 8.56% Tier 1 capital, 0.52% ROA, 67% efficiency ratio.
- #873
- largest of 4,313 FDIC banks by assets
- 80th
- percentile by asset size, nationally
- 8.56%
- Tier 1 ratio - below the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Central Penn Bank & Trust's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Central Penn Bank & Trust's composite health score
Tier 1 Capital Ratio (8.56%) 18/40
Return on Assets (ROA) (0.52%) 14/25
Texas Ratio (2.91%) 20/20
Efficiency Ratio (67.13%) 8/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.1B
Customer-funded liabilities
Net Loans
$908M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Central Penn Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Central Penn Bank & Trust's score of 60/100 falls in the highlighted band.
Central Penn Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Central Penn Bank & Trust's $1.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
8.56% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
8.56%
Texas Ratio
2.91%
Equity Capital
$118M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.52%
Return on Equity (ROE)
5.69%
Efficiency Ratio
67.13%
What the numbers say about Central Penn Bank & Trust
Central Penn Bank & Trust is an FDIC-insured institution (Certificate #10685) headquartered in Mifflinburg, Pennsylvania, established in 1872. It holds $1.3B in total assets - 873rd of 4,313 FDIC-insured banks, $1.1B in customer deposits, and $908M in net loans. Its capital position: a Tier 1 ratio of 8.56%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.91% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (60 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Central Penn Bank & Trust sits 39th of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$47M
Interest Income
$4M
Non-Interest Income
$26M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Central Penn Bank & Trust reports a Texas Ratio of 2.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Central Penn Bank & Trust (FDIC Cert #10685) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Central Penn Bank & Trust's health grade?▼
Central Penn Bank & Trust receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Central Penn Bank & Trust?▼
Central Penn Bank & Trust holds $1.3B in total assets and $1.1B in deposits, ranking 873rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Mifflinburg, Pennsylvania.
Is my money safe at Central Penn Bank & Trust?▼
Yes, deposits at Central Penn Bank & Trust (Certificate #10685) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Central Penn Bank & Trust's Tier 1 Capital Ratio?▼
Central Penn Bank & Trust has a Tier 1 Capital Ratio of 8.56%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for Central Penn Bank & Trust?▼
Central Penn Bank & Trust has a Texas Ratio of 2.91%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Central Penn Bank & Trust?▼
Central Penn Bank & Trust has an Efficiency Ratio of 67.13%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Central Penn Bank & Trust's profile as a depositor or analyst.
- Central Penn Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Central Penn Bank & Trust against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.