Penn Community Bank
- Company typePrivate
- Founded1876
- HeadquartersPerkasie, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
Penn Community Bank firmographics
Firmographics- Name
- Penn Community Bank
- Legal name
- Penn Community Bank
- Website
- https://penncommunitybank.com
- Company type
- Private
- Founded year
- 1876
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Penn Community Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)
- akta.pro secondary industry
- Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Penn Community Bank is headquartered
LocationHeadquarters
- HQ city
- Perkasie
- HQ country
- United States
- HQ region
- North America
Offices20 records
Markets served
Penn Community Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Primary revenue from interest earned on loans including home mortgages, home equity loans/LOCs, personal loans, and business/commercial loans.
- Credit Card Revenue: Credit card products issued through Elan Financial Services partnership, generating interchange revenue and interest.
- Merchant Services: Payment processing services for merchants through Elavon partnership, generating transaction fees.
- Deposit Account Fees: Monthly service fees, ATM fees, overdraft fees, and other account-related charges on checking and savings accounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free Checking Plus - No monthly service fee with basic checking features |
| Subscription | Monthly | Relationship Checking - Interest-earning checking with tiered rates |
| Subscription | Monthly | Student Checking - For ages 13-23 |
| Subscription | Monthly | Statement Savings |
| One time/ perpetual license | Annual | 13-Month CD Special |
| One time/ perpetual license | Pay-as-you-go | Home Equity Loan |
| Subscription | Monthly | Premium Money Market |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Penn Community Bank product offering
Product offeringCore offering
Penn Community Bank is a mutual community bank that accepts consumer and business deposits and uses those deposits to fund a full range of lending and treasury products, including personal checking and savings accounts, mortgages, consumer loans, business checking, commercial lending, SBA loans, treasury/cash management, and wealth and insurance services. It serves individuals, families, small businesses, middle-market companies, and nonprofit organizations primarily across eastern Pennsylvania through a network of more than 25 financial centers and digital banking channels.
Product overview
Penn Community Bank offers a comprehensive, multi-segment banking platform organized into Personal Banking, Small Business Banking, and Commercial Banking divisions. Personal Banking includes checking (Free Checking Plus1, Student Checking, Relationship Checking, Access Checking), savings (Statement Savings, Common Cents Savings, Junior Statement Savings, Ultra Money Market), credit cards issued through Elan Financial Services, home lending (Home Equity Loan, HELOC, Fixed-Rate Mortgages, Adjustable-Rate Mortgages, Bi-Weekly Mortgages), personal loans, and digital banking tools (Online Banking, Mobile Banking, Visa Debit Cards, Zelle, Credit Score via SavvyMoney, Financial Calculators, Financial Quizzes, Security Center). Small Business Banking offers four checking tiers (Basic, Community, Advantage, Enterprise), business savings and money market accounts, business CDs, and lending products including lines of credit, term loans, commercial real estate loans, construction loans, and residential development loans, supported by Cash Management services and Merchant Services via Elavon. Commercial Banking provides checking, savings, commercial lending, credit cards, and cash management services. Community initiatives include the THRIVE Community Development Plan and the Penn Community Bank Foundation. The bank also provides industry-specific banking solutions for manufacturing, warehousing, construction, healthcare, professional services, education/government, and retail/restaurant sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Transaction deposit accounts for individual consumers and households, used for daily banking, bill pay, debit card spending, and direct deposit.
- Personal Savings and Money Market Accounts Interest-bearing deposit accounts for individual consumers to hold savings and earn interest, including money market variants.
- Certificates of Deposit (CDs) Fixed-term, fixed-rate deposit products for consumers and businesses seeking insured term savings.
- Residential Mortgage Loans Purchase and refinance mortgages for owner-occupiers in the bank's eastern Pennsylvania footprint, with local underwriting and decision-making.
- Consumer Loans and Lines of Credit Personal installment loans, lines of credit, and other consumer credit products for individual borrowers.
- Business Checking and Savings Accounts Operating, analysis, and savings accounts tailored to small businesses, professional services firms, and middle-market companies.
- Commercial Lending (CRE, C&I, Construction) Commercial real estate, construction, and commercial and industrial loans for middle-market borrowers, real estate investors, and healthcare and nonprofit organizations.
- SBA Loans Government-guaranteed SBA loans, including 7(a) and 504 programs, supporting small business borrowers with owner-occupied real estate, working capital, and acquisition financing.
- Treasury Management / Cash Management Services Cash management, ACH, wire, remote deposit, lockbox, and payments solutions sold to small and mid-sized business clients by a dedicated cash management sales team.
- Wealth Management and Insurance Services Wealth management, investment, and insurance products offered to consumer and business clients in coordination with the bank's banking relationship.
- Online and Mobile Banking Online banking portal and iOS/Android mobile apps providing account access, bill pay, mobile check deposit, Zelle P2P payments, SavvyMoney credit score, CardHub card management, and MX-powered money management tools.
Quantifiable outcome
- Third consecutive year named to Newsweek's Best Regional Banks for 2026
- +1 more outcomes
Companies that use Penn Community Bank
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles3 records
Penn Community Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature3 records
Penn Community Bank partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Elan Financial ServicescoreElan Financial Services issues Penn Community Bank's credit card products and provides zero fraud liability protection for cardholders. Cards are offered through Visa and Mastercard networks.
- Early Warning Services (Zelle)coreZelle is integrated into Penn Community Bank's online and mobile banking platforms, enabling fast, safe P2P payments between bank accounts typically within minutes.
- ElavoncoreElavon provides merchant payment processing services including in-person, online, and mobile payment processing, smart terminals, chip card/EMV terminals, tablet POS systems, and mobile wallet payments.
- SavvyMoneycoreSavvyMoney provides credit score monitoring and analysis services integrated into Penn Community Bank's online and mobile banking, offering free monthly credit scores and personalized financial guidance.
- MX Money ManagementcoreAward-winning financial management platform integrated into online banking that helps customers track spending, manage budgets, and consolidate financial information.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Penn Community Bank competitors and assessment
Company assessmentDirect peers
- Mid Penn Bank: Pennsylvania-headquartered community bank offering consumer, small business, and commercial banking. Comparable size class and product offerings, with overlap in central PA markets.
- Orrstown Financial Services: Pennsylvania-based community bank serving consumer, small business, and commercial clients across central and southeastern PA. Comparable asset base and product suite make it a close operating comp.
- S&T Bank: Western and central Pennsylvania community bank with a comparable consumer and commercial banking franchise. Similar size class and product set, with overlapping competitive dynamics in the PA market.
- Univest Bank and Trust Co. Pennsylvania-headquartered community bank with comparable size and a similar mix of personal, small business, and commercial banking across eastern PA. Comparable business model, geographic adjacency, and customer base make it the most direct peer for Penn Community Bank's deposit and lending dynamics.
- Tompkins Community Bank: Mid-Atlantic/Northeast community bank with a comparable community-banking model and a similar relationship-driven approach to consumer and commercial lending. Operates in adjacent geographies with comparable product suite and customer profile.
- ACNB Bank: Pennsylvania-based community bank with a similar asset-base class and product mix spanning consumer, small business, and commercial banking. Operates across central and southern PA with a comparable community-bank operating model.
- FNCB Bank: Northeastern Pennsylvania community bank with a similar size class and customer focus. Operates in adjacent PA markets with a comparable deposit and lending model.
- Northwest Bank: Mid-Atlantic community bank with a meaningful Pennsylvania presence offering consumer, small business, and commercial banking products. Comparable asset base and customer segment, with similar deposit-funded lending model.
Broad incumbents
- WSFS Bank: Larger regional bank headquartered in Delaware with a significant Philadelphia-area presence and a broad consumer, small business, and commercial banking franchise. Overlaps materially with Penn Community Bank's footprint as a much larger competitor.
- Citizens Bank: Large regional bank with significant eastern PA and Bucks County presence. Offers a comparable product suite across consumer, small business, and commercial banking with substantially greater scale and digital capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Penn Community Bank social profiles
Digital presencePenn Community Bank compliance and trust
Trust signalCompliance1 record
Penn Community Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Penn Community Bank leadership team
Management profileNumber of profiles
Profiles11 records
Penn Community Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Penn Community Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Penn Community Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Penn Community Bank
What does Penn Community Bank do?
Penn Community Bank is a mutual community bank that accepts consumer and business deposits and uses those deposits to fund a full range of lending and treasury products, including personal checking and savings accounts, mortgages, consumer loans, business checking, commercial lending, SBA loans, treasury/cash management, and wealth and insurance services. It serves individuals, families, small businesses, middle-market companies, and nonprofit organizations primarily across eastern Pennsylvania through a network of more than 25 financial centers and digital banking channels.
Is Penn Community Bank a public or private company?
Penn Community Bank is a private company. It is classified as management employee owned and is currently operating.
When was Penn Community Bank founded?
Penn Community Bank was founded in 1876. It employs 251 to 500 people.
Where is Penn Community Bank based?
Penn Community Bank is headquartered in Perkasie, United States, in the North America region.
How does Penn Community Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are credit Card Revenue, merchant Services and deposit Account Fees.
Who are Penn Community Bank's main competitors?
Direct peers on record are Mid Penn Bank, Orrstown Financial Services, S&T Bank, Univest Bank and Trust Co., Tompkins Community Bank, ACNB Bank, FNCB Bank and Northwest Bank. Broad incumbents are WSFS Bank and Citizens Bank.
Does Penn Community Bank have an API?
No public API is recorded for Penn Community Bank.
What industry is Penn Community Bank in?
Penn Community Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail), with a secondary code of FSAKAAAL, Bank & Credit Union Personal Loans (Unsecured Installment). Its NAICS code is 52211 and its SIC code is 6022.