Bank Safety Analysis
Is First National Bank of Pennsylvania Safe? Greenville, Pennsylvania
Based on its Q3 2026 call report, First National Bank of Pennsylvania meets every capital ratio test for well capitalized, its Texas ratio is 2.43%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is First National Bank of Pennsylvania safe?
On its Q3 2026 call report, First National Bank of Pennsylvania's CET1 ratio is 11.25%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 11.25%
- Tier 1 leverage ratio (Q3 2026): 9.39%
- Texas ratio (Q3 2026): 2.43%
- Noncurrent loans ratio (Q3 2026): 0.37%
First National Bank of Pennsylvania is an FDIC-insured commercial bank (FDIC Certificate #7888). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report First National Bank of Pennsylvania (FDIC Certificate #7888) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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First National Bank of Pennsylvania passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The biggest quarter-over-quarter change on this page was a small one: return on assets edged up 0.05 percentage points between Q2 2026 and Q3 2026, to 1.29%. First National Bank of Pennsylvania ranks 60th of 68 Pennsylvania banks on CET1 ratio, in the lower half at 11.25% (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).
From Q4 2023 to Q3 2026, First National Bank of Pennsylvania's CET1 ratio ranged between 10.12% (Q4 2023) and 11.44% (Q1 2026) and its Texas ratio ranged between 2.10% (Q4 2025) and 3.97% (Q4 2024). Between Q3 2025 and Q3 2026, First National Bank of Pennsylvania's CET1 ratio rose from 11.00% to 11.25%, nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.39% to 0.37%, Texas ratio fell from 2.69% to 2.43% and return on assets fell from 1.31% to 1.29%.
First National Bank of Pennsylvania ranks as the largest of the 109 banks based in Pennsylvania, by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $14.18B of $36.73B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, First National Bank of Pennsylvania's CET1 ratio of 11.25% is below the 12.88% median, Tier 1 leverage ratio of 9.39% is below the 10.21% median, nonperforming loans ratio of 0.37% is below the 0.67% median, Texas ratio of 2.43% is below the 4.26% median, and efficiency ratio of 50.61% is below the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets, above the community and regional banks the model was trained on, so treat its score as a rough screen.
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
First National Bank of Pennsylvania's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does First National Bank of Pennsylvania score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does First National Bank of Pennsylvania trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 11.25% | Within range |
| Texas ratio BankRegReports band | 2.43% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.37% | Within range |
| Uninsured deposit share BankRegReports band | 40.86% | Within range |
| Loan-to-deposit ratio BankRegReports band | 91.75% | Within range |
| Commercial real estate to capital supervisory threshold | 167.56% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 5.67% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 11.25% |
| Q2 2026 | 11.40% |
| Q1 2026 | 11.44% |
| Q4 2025 | 11.37% |
| Q3 2025 | 11.00% |
| Q2 2025 | 10.69% |
| Q1 2025 | 10.56% |
| Q4 2024 | 10.41% |
| Q3 2024 | 10.34% |
| Q2 2024 | 10.15% |
| Q1 2024 | 10.22% |
| Q4 2023 | 10.12% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 2.43% |
| Q2 2026 | 2.41% |
| Q1 2026 | 2.41% |
| Q4 2025 | 2.10% |
| Q3 2025 | 2.69% |
| Q2 2025 | 3.38% |
| Q1 2025 | 3.69% |
| Q4 2024 | 3.97% |
| Q3 2024 | 3.23% |
| Q2 2024 | 2.77% |
| Q1 2024 | 3.24% |
| Q4 2023 | 2.88% |
Loans by type, Q3 2026
- 1-4 family residential loans: $14.18B
- Commercial and industrial loans: $7.79B
- Non-owner-occupied commercial real estate loans: $4.95B
- Owner-occupied commercial real estate loans: $3.29B
- Construction and land development loans: $2.50B
- Auto loans: $1.03B
- Multifamily loans: $930.8M
- Leases: $798.6M
How have First National Bank of Pennsylvania's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $51.93B | 11.25% | 9.39% | 0.37% | 2.43% | 50.61% |
| Jun 30, 2026 | $50.80B | 11.40% | 9.43% | 0.38% | 2.41% | 50.93% |
| Mar 31, 2026 | $50.42B | 11.44% | 9.39% | 0.38% | 2.41% | 53.42% |
| Dec 31, 2025 | $50.02B | 11.37% | 9.27% | 0.33% | 2.10% | 51.14% |
| Sep 30, 2025 | $49.67B | 11.00% | 9.02% | 0.39% | 2.69% | 48.83% |
| Jun 30, 2025 | $49.50B | 10.69% | 8.86% | 0.45% | 3.38% | 50.76% |
| Mar 31, 2025 | $48.80B | 10.56% | 8.76% | 0.49% | 3.69% | 54.63% |
| Dec 31, 2024 | $48.45B | 10.41% | 8.78% | 0.50% | 3.97% | 56.61% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First National Bank of Pennsylvania FDIC insured?
Yes. First National Bank of Pennsylvania is an FDIC-insured commercial bank (FDIC Certificate #7888). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is First National Bank of Pennsylvania well capitalized?
On its Q3 2026 call report, First National Bank of Pennsylvania's CET1 ratio is 11.25%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are First National Bank of Pennsylvania's key safety ratios?
For Q3 2026, First National Bank of Pennsylvania reports CET1 11.25%, leverage 9.39%, Texas ratio 2.43%, noncurrent loans 0.37%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if First National Bank of Pennsylvania fails?
For Q3 2026, First National Bank of Pennsylvania reported $40.03B in total deposits, 40.86% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full First National Bank of Pennsylvania profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio First National Bank of Pennsylvania is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 7888) · FFIEC NIC profile (RSSD 379920)
Explore: Full First National Bank of Pennsylvania profile · Other banks in PA · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.