Total Assets
$288M
Total balance-sheet footings
FDIC Cert #19978 · Pennsville, New Jersey · Est. 1969
The Pennsville National Bank - FDIC Bank Health Profile
A community-scale look at The Pennsville National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $288M
- Total assets
- A
- Health grade · Excellent
- 1.49%
- Return on assets
- 22.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Pennsville National Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 22.57% Tier 1, profitable at 1.49% ROA, efficient (52% cost ratio).
- #2,553
- largest of 4,313 FDIC banks by assets
- 41st
- percentile by asset size, nationally
- 22.57%
- Tier 1 ratio - above the 10% well-capitalized line
- 74th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Pennsville National Bank's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Pennsville National Bank's composite health score
Tier 1 Capital Ratio (22.57%) 40/40
Return on Assets (ROA) (1.49%) 20/25
Texas Ratio (4.55%) 20/20
Efficiency Ratio (52.00%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$258M
Customer-funded liabilities
Net Loans
$126M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Pennsville National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Pennsville National Bank's score of 92/100 falls in the highlighted band.
The Pennsville National Bank'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). The Pennsville National Bank's $288M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
22.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
22.57%
Texas Ratio
4.55%
Equity Capital
$28M
Profitability metrics
Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
16.77%
Efficiency Ratio
52.00%
What the numbers say about The Pennsville National Bank
The Pennsville National Bank is an FDIC-insured institution (Certificate #19978) headquartered in Pennsville, New Jersey, established in 1969. It holds $288M in total assets - 2,553rd of 4,313 FDIC-insured banks, $258M in customer deposits, and $126M in net loans. Its capital position: a Tier 1 ratio of 22.57%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 4.55% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Pennsville National Bank sits 44th of 51 banks headquartered in New Jersey by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$12M
Interest Income
$982K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Pennsville National Bank reports a Texas Ratio of 4.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New Jersey by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Pennsville National Bank (FDIC Cert #19978) - 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 New Jersey
All New Jersey banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Valley National BankPassaic | $64.1B | B | 0.99% |
| Provident BankJersey City | $24.9B | A | 1.28% |
| OceanFirst Bank, National AssociationToms River | $14.5B | B | 0.61% |
| ConnectOne BankEnglewood Cliffs | $14.0B | A | 0.77% |
| Columbia BankFair Lawn | $11.0B | B | 0.48% |
| Cross River BankFort Lee | $8.1B | C | 0.29% |
| Kearny BankKearny | $7.6B | C | 0.43% |
| Peapack Private Bank & TrustBedminster | $7.5B | C | 0.57% |
Frequently asked questions
What is The Pennsville National Bank's health grade?▼
The Pennsville National Bank receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Pennsville National Bank?▼
The Pennsville National Bank holds $288M in total assets and $258M in deposits, ranking 2,553rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Pennsville, New Jersey.
Is my money safe at The Pennsville National Bank?▼
Yes, deposits at The Pennsville National Bank (Certificate #19978) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Pennsville National Bank's Tier 1 Capital Ratio?▼
The Pennsville National Bank has a Tier 1 Capital Ratio of 22.57%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Pennsville National Bank?▼
The Pennsville National Bank has a Texas Ratio of 4.55%. 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 The Pennsville National Bank?▼
The Pennsville National Bank has an Efficiency Ratio of 52.00%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Pennsville National Bank's profile as a depositor or analyst.
- The Pennsville National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Pennsville National Bank against other New Jersey banks before moving funds. New Jersey 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.