First National Bank of Pennsylvania: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
First National Bank of Pennsylvania reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 11.25% in Q3 2026, up 0.26 percentage points from 11.00% in Q3 2025. Across the 12 quarters shown it ranged from 10.12% (Q4 2023) to 11.44% (Q1 2026).
Equity capital to total assets fell 0.38 percentage points from Q2 2026 to Q3 2026, ending at 13.01% against 13.39%. It was the largest change among the key lines on this page. Within Pennsylvania, First National Bank of Pennsylvania is 60th of 68 on CET1 ratio, 11.25% as of Q3 2026. The median for banks in the $10B-100B asset tier is 12.88% on CET1 ratio. First National Bank of Pennsylvania sits 1.63 points lower, at 11.25% (Q3 2026).
Risk-based capital ratios
Total risk-based capital ratio changed the most here, down 0.17 points to 13.45% in Q3 2026 from 13.62% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.25% |
| Tier 1 risk-based capital ratio | 11.46% |
| Total risk-based capital ratio | 13.45% |
| Tier 1 leverage ratio | 9.39% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Risk-weighted assets moved most in this table, up 2.2%: $38.84B in Q2 2026, $39.71B in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $4.47B |
| Tier 1 capital | $4.55B |
| Total risk-based capital | $5.34B |
| Total equity capital | $6.76B |
| Risk-weighted assets | $39.71B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 13.01% |
| Tangible equity to tangible assets | 8.65% |
| Equity capital to average assets | 13.27% |
| Internal capital growth rate | 2.31% |
Capital structure
Retained earnings changed the most here, up 1.8% to $2.23B in Q3 2026 from $2.19B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $4.3M |
| Common stock surplus | $4.71B |
| Retained earnings | $2.23B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$183.9M |
| Subordinated notes and debentures | $420.0M |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 10.12% | 10.34% | 12.50% | 8.71% | $36.47B |
| Q1 2024 | 10.22% | 10.43% | 12.66% | 8.80% | $36.49B |
| Q2 2024 | 10.15% | 10.36% | 12.58% | 8.77% | $37.31B |
| Q3 2024 | 10.34% | 10.55% | 12.79% | 8.71% | $37.07B |
| Q4 2024 | 10.41% | 10.63% | 12.86% | 8.78% | $37.28B |
| Q1 2025 | 10.56% | 10.78% | 13.07% | 8.76% | $37.34B |
| Q2 2025 | 10.69% | 10.90% | 13.08% | 8.86% | $37.77B |
| Q3 2025 | 11.00% | 11.21% | 13.40% | 9.02% | $37.73B |
| Q4 2025 | 11.37% | 11.58% | 13.75% | 9.27% | $37.74B |
| Q1 2026 | 11.44% | 11.65% | 13.80% | 9.39% | $38.15B |
| Q2 2026 | 11.40% | 11.60% | 13.62% | 9.43% | $38.84B |
| Q3 2026 | 11.25% | 11.46% | 13.45% | 9.39% | $39.71B |
First National Bank of Pennsylvania capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First National Bank of Pennsylvania profile or its peer group comparison.
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