Bank Comparison
First National Bank and Trust vs Penncrest Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 9
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First National Bank and Trust | Penncrest Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 11.50% | 13.72% |
| Equity / Assets | 7.47% | 12.22% |
Profitability
| Metric | First National Bank and Trust | Penncrest Bank |
|---|---|---|
| Return on Assets (ROA) | 0.54% | 0.38% |
| Return on Equity (ROE) | 7.09% | 3.10% |
| Net Interest Margin (NIM) | 3.49% | 2.99% |
| Yield on Earning Assets | 4.85% | 4.24% |
| Cost of Funds | 1.41% | 1.36% |
Asset quality
| Metric | First National Bank and Trust | Penncrest Bank |
|---|---|---|
| Texas Ratio | 2.52% | 2.50% |
| Non-Performing Loan Ratio | 0.00% | 0.42% |
| Non-Performing Asset Ratio | 0.21% | 0.27% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.25% | 0.14% |
Balance sheet
| Metric | First National Bank and Trust | Penncrest Bank |
|---|---|---|
| Total Assets | $243,510K | $242,902K |
| Total Deposits | $224,326K | $206,702K |
| Total Loans | $146,560K | $153,415K |
| Total Equity | $18,194K | $29,677K |
| Net Income (quarter) | $324 | $232 |
Liquidity & funding
| Metric | First National Bank and Trust | Penncrest Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 65.33% | 74.22% |
| Core Deposit Ratio | 83.13% | 95.90% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank and Trust | Penncrest Bank |
|---|---|---|
| Headquarters City | ATMORE | ALTOONA |
| Headquarters State | AL | PA |
| Asset Tier | Small | Small |
| Charter Class | 10697 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 4 | 8 |
| Employees (FTE) | 46 | 49 |
| Established | Jan. 1, 1915, midnight | Jan. 1, 1939, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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