First National Bank of Pennsylvania
First National Bank of Pennsylvania is an FDIC-insured commercial bank headquartered in Greenville, PA, supervised by the OCC, with $51.93B in total assets at Q3 2026, up 4.6% from Q3 2025, the largest of 109 banks headquartered in Pennsylvania. It was established in 1864 and holds FDIC certificate 7888. Its CET1 capital ratio was 11.25% at Q3 2026, above regulatory requirements.
Also written as FNB of Pennsylvania
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7888
- Headquarters
- Greenville, PA
- Established
- 1864
- Total assets, Q3 2026
- $51.93B
- Assets vs Q3 2025
- +4.6%
- CET1 ratio, Q3 2026
- 11.25%
- Domestic offices
- 361 branches
- Routing number
- 043318092
- Safety and soundness
- Is First National Bank of Pennsylvania safe?
- Latest call report
- Q3 2026, FFIEC 041 · First National Bank of Pennsylvania call report
- Holding company
- F.N.B. CORPORATION
- Asset rank in state
- 1st of 109 in Pennsylvania
First National Bank of Pennsylvania is the 50th-largest bank in the United States, with $51.9 billion in assets at September 30, 2026, up 4.6% from a year earlier. It is headquartered in Greenville, Pennsylvania, and operates 361 domestic branches. It holds common equity equal to 11.25% of its risk-weighted assets, lower than about 9 in 10 of the 124 banks with $10 billion to $100 billion in assets (median 12.93%). On the other hand, it carries problem assets equal to 2.4% of the capital and reserves that would absorb them, lower than about three-quarters of banks its size (median 4.3%).
Unrealized losses on its securities total $563 million, equal to 12% of Tier 1 capital, against 7% a year earlier.
As of September 30, 2026, First National Bank of Pennsylvania reported a CET1 capital ratio of 11.25%, a return on assets of 1.29%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.43%. The figures come from its call report filed with the FFIEC.
First National Bank of Pennsylvania ranks as the largest of the 109 banks based in Pennsylvania, by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 2.2% to $51.93B, loans rose 2.0% and deposits rose 2.4%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 38.6% of total loans, ahead of commercial and industrial loans at 21.2%. By the capital ratios in its Q3 2026 call report, First National Bank of Pennsylvania meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 166 Main St, Greenville, PA 16125
- County
- Mercer
- Metro Area
- Hermitage, PA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 4, 1864
- Former names
- First National Bank of Mercer County (1963-1992); First National Bank of Mercer County, Greenville, Pa. (1955-1963)
- Domestic offices
- 361 branches
- Employees (FTE)
- 4,231
- Domestic deposits
- $40.03B
- Allowance for credit losses
- $452.0M
- Net charge-offs (YTD)
- $44.6M
- Average total assets
- $50.92B
- Average total loans
- $35.56B
- Average interest-bearing deposits
- $28.84B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7888
- Fed RSSD
- 379920
- SEC CIK
- 37808 → filed by F.N.B. CORPORATION
- Website
- www.fnb-online.com →
- Parent Holding Company
- F.N.B. CORPORATION (RSSD 3005332) · FNB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Vincent J Delie Jr | CEO | Chairman, President, & CEO |
| Vincent J Calabrese | CFO | Chief Financial Officer |
| Gary L Guerrieri | CCO | Chief Credit Officer |
| James Orie | GC | Chief Legal Officer |
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Watch First National Bank of Pennsylvania: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
First National Bank of Pennsylvania's total assets moved between a low of $45.78B (Q1 2024) and a high of $51.93B (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$51.93B total assets against $49.67B; $45.09B total liabilities against $43.03B.
$36.27B net loans and leases against $34.76B; $40.03B total deposits against $38.92B.
$8.15B securities against $7.67B; $2.52B cash and balances due against $2.41B.
$601.9M total interest income against $600.4M; $211.8M total interest expense against $224.5M.
$390.1M net interest income against $375.8M.
$82.0M total noninterest income against $88.2M; $243.6M total noninterest expense against $232.1M.
$19.4M provision for credit losses against $24.0M.
$164.3M net income against $162.1M.
1.29% return on assets against 1.31%; 3.38% net interest margin against 3.37%.
11.25% CET1 capital ratio against 11.00%; 9.39% tier 1 leverage ratio against 9.02%.
Inside the full First National Bank of Pennsylvania terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank of Pennsylvania rankings
Its closest position to the top of a national ranking is 50 of 4,193, for total assets; its furthest is 1,825 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.00% (Q4 2024) to 1.57% (Q4 2025) and its net interest margin ran from 3.13% (Q4 2024) to 3.38% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.25% | 1.29% | 0.37% | 2.43% | 3.38% |
| Q2 2026 | 11.40% | 1.24% | 0.38% | 2.41% | 3.33% |
| Q1 2026 | 11.44% | 1.16% | 0.38% | 2.41% | 3.30% |
| Q4 2025 | 11.37% | 1.57% | 0.33% | 2.10% | 3.37% |
| Q3 2025 | 11.00% | 1.31% | 0.39% | 2.69% | 3.37% |
| Q2 2025 | 10.69% | 1.20% | 0.45% | 3.38% | 3.32% |
| Q1 2025 | 10.56% | 1.08% | 0.49% | 3.69% | 3.14% |
| Q4 2024 | 10.41% | 1.00% | 0.50% | 3.97% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 358 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Northside Pittsburgh Branch | Pittsburgh , PA | 15212 | $3.34B |
| North Second Street Branch | Harrisburg , PA | 17101 | $1.02B |
| Charlotte Uptown Branch | Charlotte , NC | 28202 | $559.4M |
| State Street Branch | Erie , PA | 16501 | $521.4M |
| One Oliver Plaza Branch | Pittsburgh , PA | 15222 | $427.1M |
| Hermitage Square Branch | Hermitage , PA | 16148 | $359.1M |
| Lexington Main Branch | Lexington , NC | 27292 | $314.4M |
| Timonium Square Branch | Timonium , MD | 21093 | $312.0M |
| Chippewa Branch | Beaver Falls , PA | 15010 | $307.9M |
| Hollidaysburg Downtown Branch | Hollidaysburg , PA | 16648 | $285.5M |
| East Hills Branch | Johnstown , PA | 15904 | $279.6M |
| West 8th Street | Erie , PA | 16505 | $278.4M |
| Williamson Road Branch | Mooresville , NC | 28117 | $267.5M |
| Allen Street Branch | State College , PA | 16801 | $266.2M |
| New Castle Branch | New Castle , PA | 16103 | $262.8M |
| Blowing Rock Road Branch | Boone , NC | 28607 | $260.2M |
| Uniontown Branch | Uniontown , PA | 15401 | $258.0M |
| University Circle Branch | Cleveland , OH | 44106 | $256.4M |
| Mt. Jefferson Branch | West Jefferson , NC | 28694 | $249.2M |
| Bestgate | Annapolis , MD | 21401 | $244.7M |
| Lititz Pike Branch | Lancaster , PA | 17601 | $243.7M |
| Camp Hill Mall Branch | Camp Hill , PA | 17011 | $238.1M |
| Dundalk Branch | Dundalk , MD | 21222 | $223.4M |
| Hampden Center Branch | Mechanicsburg , PA | 17050 | $220.1M |
| White Marsh Branch | Nottingham , MD | 21236 | $219.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 12, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 10, 2022 | Structure Change | Acquired Union Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 5, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 5, 2022 | Structure Change | Acquired Howard Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 2017 | Structure Change | Acquired Yadkin Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 2016 | Structure Change | Acquired Metro Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2015 | Structure Change | Acquired Fnbpa Investments Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 20, 2014 | Structure Change | Acquired OBA Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 19, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 15, 2014 | Structure Change | Acquired Baltimore County Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 2013 | Structure Change | Acquired Park View Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 6, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 6, 2013 | Structure Change | Acquired BankAnnapolis Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2012 | Structure Change | Acquired Parkvale Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Community Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 2009 | Structure Change | Acquired First National Building Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2008 | Structure Change | Acquired Iron and Glass Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 15, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2008 | Structure Change | Acquired Omega Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 27, 2006 | Structure Change | Acquired The Legacy Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2005 | Structure Change | Acquired The National Bank of North East Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 19, 2005 | Structure Change | Acquired NorthSide Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 18, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 9, 2004 | Structure Change | Acquired The First National Bank of Slippery Rock Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 2004 | Structure Change | Acquired Infitech, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2003 | Structure Change | Acquired First National Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2002 | Structure Change | Acquired Metropolitan National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 8, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 2002 | Structure Change | Acquired Promistar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 15, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 17, 2001 | Structure Change | Acquired Reeves Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 16, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 14, 1996 | Structure Change | Acquired Dollar Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 14, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 10, 1964 | Structure Change | Acquired First National Bank of West Middlesex Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 46 events, scroll the table for the full history. Every merger First National Bank of Pennsylvania completed as acquirer (26 on record).
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- June 9, 2015, OCC: Civil Money Penalty (CMP): First National Bank of Pennsylvania
- March 23, 1993, OCC: Formal Agreement: First National Bank Of Pennsylvania
- Period: Most recent institution action June 9, 2015. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 4.2% of deposits in PA, rank 5 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26,278 applications, 15,800 loans originated, $4.74B originated, across 20 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 164 loans, $161.6M approved, $985K average. 0.61% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 116 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First National Bank of Pennsylvania
What are First National Bank of Pennsylvania's total assets?
As of the Q3 2026 filing, First National Bank of Pennsylvania reported total assets of $51.93 billion in its FFIEC call report.
Where is First National Bank of Pennsylvania headquartered?
It is headquartered in Greenville, PA, United States.
When was First National Bank of Pennsylvania founded?
It was established in 1864, per the FDIC institution directory.
Is First National Bank of Pennsylvania FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7888). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank of Pennsylvania?
First National Bank of Pennsylvania's primary federal regulator is the OCC.
What is First National Bank of Pennsylvania's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.25% in its Q3 2026 call report, above regulatory requirements.
How many branches does First National Bank of Pennsylvania operate?
It operates 361 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank of Pennsylvania's Texas Ratio?
Its Texas Ratio is 2.43% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was First National Bank of Pennsylvania previously called?
The charter now named First National Bank of Pennsylvania has also operated as First National Bank of Mercer County (1963-1992), First National Bank of Mercer County, Greenville, Pa. (1955-1963), per FDIC structure-change records.
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