PennCrest Bank
Altoona, PA
IDRSSD: 805876
Total Assets
$235.74M
Latest filing
Total Deposits
$199.53M
Latest filing
Net Interest Margin
3.03%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
PennCrest Bank
1201 12th St
Altoona, PA 16601
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1939FDIC Certificate 42953
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| PennCrest Bank (Main) | 1201 12th St | Altoona, PA |
| WILLIAMSBURG BRANCH | 101 High St | Williamsburg, PA |
| 408 ALLEGHENY STREET BRANCH | 408 Allegheny St | Hollidaysburg, PA |
| PATTON PLAZA BRANCH | 433 Railroad Ave | Patton, PA |
| ALTOONA BRANCH | 3301 Pleasant Valley Blvd | Altoona, PA |
| NANTY GLO BRANCH | 1306 Shoemaker St | Nanty Glo, PA |
| CRESSON BR | 700 2nd St | Cresson, PA |
| GALLITZIN BRANCH | 117 Chestnut St | Gallitzin, PA |
Showing 7 of 7
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1939 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 16601 |
| State and County Number | 42013 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 03 |
| Numeric code | 42 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Altoona, PA |
Operational Info
| Number of Employees | 50 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/14/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.PennCrest.BANK |
| Data Updated | 11/14/2025 |
| CERT | 30119 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $235.74M |
| Total Deposits | $199.53M |
| Total Liabilities | $206.21M |
| Total Equity Capital | $29.53M |
| Net Income | $287.00k |
| Net Loans and Leases | $151.74M |
| Assets Per Employee ($Millions) | $4.91M |
| Bank Premises and Fixed Assets | $2.44M |
| Cash and Balances due from Depository Institutions | $10.09M |
| Deposits Held in Domestic Offices | $199.53M |
Key Performance Ratios
| Return on Assets (ROA) | 0.49% |
| Return on Equity (ROE) | 3.98% |
| Net Interest Margin | 3.03% |
| Efficiency Ratio | 80.54% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.526% |
| Earning Assets to total Assets | 93.41% |
Income and Expense
| Total Interest Income | $2.38M |
| Total Noninterest Income | $310.00k |
| Total Interest Expense | $719.00k |
| Total Noninterest Expense | $1.61M |
| Net Interest Income | $1.66M |
| Pre-tax Net Operating Income | $366.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $683.00k |
| Total Liabilities and Capital | $235.74M |
Securities
| Securities | $61.71M |
| Available-for-sale debt securities | $61.71M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of PennCrest Bank?
$235.74M as of the latest filing.
How much are PennCrest Bank's total deposits?
$199.53M in total deposits.
Where is PennCrest Bank located?
Altoona, PA.
What is the Net Interest Margin?
3.03%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1939.
What is the Return on Assets (ROA)?
0.49%.
How much are total loans and leases?
$151.74M (latest filing).
What is the total interest income (latest filing)?
$2.38M.