Central Penn Bank & Trust
Mifflinburg, PA
IDRSSD: 779016
Total Assets
$1.25B
Latest filing
Total Deposits
$1.11B
Latest filing
Net Interest Margin
4.22%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
031309686MIFFLINBURG, PA031312835NORTHUMBERLAND, PA
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Central Penn Bank & Trust
250 E Chestnut St
Mifflinburg, PA 17844
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1872FDIC Certificate 6856
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Central Penn Bank & Trust (Main) | 250 E Chestnut St | Mifflinburg, PA |
| QUEEN STREET BRANCH | 135 Queen St | Northumberland, PA |
| SELINSGROVE BRANCH | 411 N Market St | Selinsgrove, PA |
| LEWISBURG BRANCH | 1110 Fairground Rd | Lewisburg, PA |
| MILLHEIM BRANCH OFFICE | 4978 Penns Valley Rd | Millheim, PA |
| SUNBURY BRANCH | 403 N 4th St | Sunbury, PA |
| HUMMELS WHARF OFFICE BRANCH | 87 Lori Ln | Selinsgrove, PA |
| COURIER SERVICE-UNION/SNYDER/NORTHUMBERLAND & CENTRE COUNTIES | Po Box 186 | Mifflinburg, PA |
Showing 7 of 14
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1872 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 17844 |
| State and County Number | 42119 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Lewisburg, PA |
Operational Info
| Number of Employees | 163 |
| Domestic Offices | 15 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/01/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mbtc.com |
| Data Updated | 01/30/2026 |
| CERT | 10685 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.25B |
| Total Deposits | $1.11B |
| Total Liabilities | $1.13B |
| Total Equity Capital | $118.46M |
| Net Income | $5.05M |
| Net Loans and Leases | $908.27M |
| Assets Per Employee ($Millions) | $7.19M |
| Bank Premises and Fixed Assets | $17.93M |
| Cash and Balances due from Depository Institutions | $40.94M |
| Deposits Held in Domestic Offices | $1.11B |
Key Performance Ratios
| Return on Assets (ROA) | 1.62% |
| Return on Equity (ROE) | 17.32% |
| Net Interest Margin | 4.22% |
| Efficiency Ratio | 54% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.26% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.464% |
| Earning Assets to total Assets | 93.29% |
Income and Expense
| Total Interest Income | $17.38M |
| Total Noninterest Income | $1.85M |
| Total Interest Expense | $5.11M |
| Total Noninterest Expense | $8.42M |
| Net Interest Income | $12.27M |
| Pre-tax Net Operating Income | $4.90M |
| Provision for Credit Losses | $802.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.17M |
| Federal Funds Purchased and Repurchased Agreement | $1.59M |
| All Other Liabilities | $14.62M |
| Total Liabilities and Capital | $1.25B |
Securities
| Securities | $220.18M |
| Available-for-sale debt securities | $220.18M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Central Penn Bank & Trust?
$1.25B as of the latest filing.
How much are Central Penn Bank & Trust's total deposits?
$1.11B in total deposits.
Where is Central Penn Bank & Trust located?
Mifflinburg, PA.
What is the Net Interest Margin?
4.22%.
How many domestic offices does it operate?
15.
When was it established?
01/01/1872.
What is the Return on Assets (ROA)?
1.62%.
How much are total loans and leases?
$908.27M (latest filing).
What is the total interest income (latest filing)?
$17.38M.