Institution Statistics
| National Penn Bank | | FDIC Certificate # | 7414 | | BankRate Report | View | | Year Established | 1874 | | Employees | 1681 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $8.49 billion | | Loans | $5.08 billion | | Deposits | $6.04 billion | | Equity Capital | $1.16 billion | | Loan Loss Allowance | $121.45 million | | Unbacked Noncurrent Loans | $60.76 million | | Real Estate Owned | $7.28 million |
Historic Data - March 2011 | | Assets | $8.51 billion | | Equity Capital | $1.14 billion | | Loan Loss Allowance | $142.34 million | | Unbacked Noncurrent Loans | $75.12 million | | Real Estate Owned | $7.09 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.44% | | Return on Assets | 1.21% | | Return on Equity | 8.56% | | Interest Income | $81.18 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 National Penn Bank had $68.05 million in non-current loans and owned real-estate with $1.28 billion in equity and loan loss allowances on hand to cover it. This gives National Penn Bank a Texas Ratio of 5.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for National Penn Bank decreased slightly from 6.63% as of March 31, 2011 to 5.31% as of March 31, 2012, resulting in a positive change of 19.83%.This indicates that the balance sheet and financial strength for National Penn Bank has improved slightly in recent periods. | | Deposit Growth |  | | In the past year, National Penn Bank has increased its total deposits by $37.15 million, resulting in 0.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth National Penn Bank has shown is average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. National Penn Bank has $8.49 billion in assets with $1.28 billion in equity, resulting in a capitalization level of 15.09%, which is excellent. |
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Average User Rating:
Heavy Handed Collections/ There Is Good Times Dump You In Bad
I have been a large National Penn Bank Borrower for over 12 years, always paying perfectly. In good times they lent money always talking and advertising about the relationship. As soon as things got tight in this economy they started there very heavy handed collections threatening default unless we paid them down and off. We paid them down by Millions, all the time using legal threats and very heavy handed tactics, not sure even if they were legal or not. They are there in good times, but when you need them to work with you, they dump you. Squeezing the life of you. They took TARP money to help the people not kill them.....
http://haveyoubeenbulliedbynationalpennbank.com/