First National Bank of Pennsylvania: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank of Pennsylvania of Greenville, PA against its peer group of 124 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 1.29% | 1.31% | -0.02% | 48th worse half |
| ROAE | 9.69% | 11.12% | -1.43% | 31st worse half |
| Net Interest Margin | 3.38% | 3.67% | -0.29% | 33rd worse half |
| Efficiency Ratio | 50.61% | 53.24% | -2.63% | 43rd better half |
| PPNR / Avg Assets | 1.80% | 1.88% | -0.08% | 42nd worse half |
| Yield on Earning Assets | 5.20% | 5.46% | -0.26% | 30th |
| Cost of Funds | 1.96% | 1.98% | -0.02% | 48th better half |
| Net Interest Spread | 2.66% | 2.98% | -0.32% | 32nd worse half |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.37% | 0.67% | -0.30% | 20th best quarter |
| NPA / Total Assets | 0.26% | 0.49% | -0.23% | 19th best quarter |
| NCO / Avg Loans | 0.12% | 0.14% | -0.02% | 44th better half |
| ACL / Total Loans | 1.23% | 1.12% | +0.11% | 63rd |
| ACL / NPLs (Coverage) | 336.45% | 181.80% | +154.65% | 85th best quarter |
| Texas Ratio | 2.43% | 4.26% | -1.83% | 20th best quarter |
| Provision / NCO | 175.55% | 113.11% | +62.44% | 75th |
| CRE / Total Capital | 167.56% | 217.03% | -49.47% | 30th better half |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 11.25% | 12.93% | -1.68% | 7th worst quarter |
| Tier 1 Ratio | 11.46% | 13.04% | -1.58% | 8th worst quarter |
| Total Capital Ratio | 13.45% | 14.24% | -0.79% | 31st worse half |
| Leverage Ratio | 9.39% | 10.21% | -0.82% | 28th worse half |
| Equity / Assets | 13.01% | 11.26% | +1.75% | 80th best quarter |
| TCE / Tangible Assets | 8.65% | 9.38% | -0.73% | 33rd worse half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 91.75% | 86.53% | +5.22% | 73rd |
| Core Deposit Ratio | 91.85% | 91.81% | +0.04% | 50th better half |
| Uninsured Deposit Ratio | 40.86% | 39.38% | +1.48% | 54th worse half |
| Borrowings / Total Assets | 8.28% | 3.64% | +4.64% | 82nd worst quarter |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.56% | 5.37% | -0.81% | 46th |
| Loan Growth (Y/Y) | 4.36% | 6.53% | -2.17% | 40th |
| Deposit Growth (Y/Y) | 2.84% | 4.86% | -2.02% | 36th |
See First National Bank of Pennsylvania's peers by name
The 124 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank of Pennsylvania profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First National Bank of Pennsylvania peer analysis.