First National Bank of Pennsylvania: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
First National Bank of Pennsylvania reported all 23 line items on this page on its Q3 2026 filing. CET1 capital 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).
The standout move of Q3 2026 was in Reserve coverage of nonperforming loans: 13.65 percentage points higher than in Q2 2026, at 336.45%. First National Bank of Pennsylvania ranks 42nd of 109 Pennsylvania banks on return on assets, in the upper half at 1.29% (Q3 2026). At 1.29%, First National Bank of Pennsylvania's return on assets is close to the 1.25% median for banks in the $10B-100B asset tier (Q3 2026).
Capital adequacy
Largest change in this table: equity capital to assets, down 0.38 points to 13.01% in Q3 2026 after 13.39% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 11.25% |
| Tier 1 risk-based capital ratio | 11.46% |
| Total risk-based capital ratio | 13.45% |
| Tier 1 leverage ratio | 9.39% |
| Equity capital to assets | 13.01% |
| Tangible equity to tangible assets | 8.65% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.37% |
| Nonperforming assets ratio | 0.26% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 2.43% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of nonperforming loans | 336.45% |
Earnings
Return on equity moved most in this table, up 0.50 points: 9.19% in Q2 2026, 9.69% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 9.69% |
| Net interest margin | 3.38% |
| Efficiency ratio | 50.61% |
| Yield on earning assets | 5.20% |
| Cost of funds | 1.96% |
Liquidity and funding
Loan-to-deposit ratio moved most in this table, down 0.42 points: 92.17% in Q2 2026, 91.75% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 91.75% |
| Core deposits to total deposits | 91.85% |
| Brokered deposits to total deposits | 3.97% |
| Deposits to assets | 77.08% |
| Securities to assets | 15.70% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 10.12% | 10.34% | 12.50% | 8.71% | 0.52% |
| Q1 2024 | 10.22% | 10.43% | 12.66% | 8.80% | 1.10% |
| Q2 2024 | 10.15% | 10.36% | 12.58% | 8.77% | 1.12% |
| Q3 2024 | 10.34% | 10.55% | 12.79% | 8.71% | 1.00% |
| Q4 2024 | 10.41% | 10.63% | 12.86% | 8.78% | 1.00% |
| Q1 2025 | 10.56% | 10.78% | 13.07% | 8.76% | 1.08% |
| Q2 2025 | 10.69% | 10.90% | 13.08% | 8.86% | 1.20% |
| Q3 2025 | 11.00% | 11.21% | 13.40% | 9.02% | 1.31% |
| Q4 2025 | 11.37% | 11.58% | 13.75% | 9.27% | 1.57% |
| Q1 2026 | 11.44% | 11.65% | 13.80% | 9.39% | 1.16% |
| Q2 2026 | 11.40% | 11.60% | 13.62% | 9.43% | 1.24% |
| Q3 2026 | 11.25% | 11.46% | 13.45% | 9.39% | 1.29% |
First National Bank of Pennsylvania vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
Regulator records: FDIC BankFind (cert 7888) · FFIEC NIC profile (RSSD 379920)