First National Bank & Trust Company of Newtown
Also written as FNB&T
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Data as of · sourced from FFIEC call reports. How we update
First National Bank & Trust Company of Newtown is an FDIC-insured commercial bank headquartered in Newtown, PA, supervised by the OCC, with $1.17B in total assets at Q2 2026, up 2.0% from Q2 2025, the 41st largest of 109 banks headquartered in Pennsylvania. It was established in 1864 and holds FDIC certificate 7658. Its CET1 capital ratio was 27.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7658
- Headquarters
- Newtown, PA
- Established
- 1864
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 27.50%
- Domestic offices
- 14 · First National Bank & Trust Company of Newtown branches FDIC institution directory, current count
- Routing number
- 031912785
- Safety and soundness
- Is First National Bank & Trust Company of Newtown safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank & Trust Company of Newtown Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- FNB BANCORP, INC.
- Asset rank in state
- 41st of 109 in Pennsylvania
First National Bank & Trust Company of Newtown, based in Newtown, Pennsylvania, reported $1.2 billion in assets at June 30, 2026, up 2.0% from a year earlier. It pays an average of 0.14% on its deposits and borrowings, a small fraction of the median of 2.01% for the 880 banks with $1 billion to $10 billion in assets. It also holds common equity equal to 27.50% of its risk-weighted assets, about double the median of 13.50% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $57 million equal 38% of Tier 1 capital, down from 49% a year earlier. Earnings jumped: net income for the quarter was $3.9 million, 34% above the same quarter a year earlier.
As of June 30, 2026, First National Bank & Trust Company of Newtown reported a CET1 capital ratio of 27.50%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First National Bank & Trust Company of Newtown is the 41st largest of the 109 banks headquartered in Pennsylvania. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.8% to $1.17B, loans rose 1.7% and deposits rose 4.6%. 1-4 family residential loans made up 53.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.6%. The FDIC Summary of Deposits lists 14 offices for it, in 10 cities in PA; its Newtown 5 offices book 40% of its branch deposits. On its Q2 2026 call report, First National Bank & Trust Company of Newtown meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 40 S State St, Newtown, PA 18940
- County
- Bucks
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- 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 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- February 25, 1864
- Former names
- First National Bank and Trust Company of Newtown (1983)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 122
- Domestic deposits
- $1.02B
- Allowance for credit losses
- $3.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $1.15B
- Average total loans
- $508.5M
- Average interest-bearing deposits
- $879.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7658
- Fed RSSD
- 1007417
- Website
- WWW.FNBN.COM →
- Parent Holding Company
- FNB BANCORP, INC. (RSSD 1117491)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank & Trust Company of Newtown's total assets ran between $1.11B (Q4 2024) and $1.17B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.17B total assets against $1.14B; $1.06B total liabilities against $1.06B.
$512.9M net loans and leases against $472.9M; $1.02B total deposits against $978.0M.
$521.2M securities against $567.7M; $59.2M cash and balances due against $34.5M.
$10.1M total interest income against $9.2M; $529K total interest expense against $444K.
$9.6M net interest income against $8.8M.
$2.0M total noninterest income against $2.0M; $6.8M total noninterest expense against $7.0M.
$125K provision for credit losses against $285K.
$3.9M net income against $2.9M.
1.35% return on assets against 1.04%; 3.37% net interest margin against 3.18%.
27.50% CET1 capital ratio against 26.88%; 12.95% tier 1 leverage ratio against 12.27%.
Inside the full First National Bank & Trust Company of Newtown terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank & Trust Company of Newtown rankings
Its closest position to the top of a national ranking is 113 of 2,134, for CET1 ratio; its furthest is 3,367 of 3,640, for Texas Ratio.
Metric pages for First National Bank & Trust Company of Newtown: CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.89% (Q3 2024) to 1.40% (Q1 2026) and its net interest margin ran from 2.74% (Q3 2025) to 3.37% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.50% | 1.35% | 0.00% | 0.00% | 3.37% |
| Q1 2026 | 27.22% | 1.40% | 0.00% | 0.00% | 3.23% |
| Q4 2025 | 26.81% | 1.18% | 0.00% | 0.00% | 3.20% |
| Q3 2025 | 27.06% | 1.26% | 0.01% | 0.06% | 2.74% |
| Q2 2025 | 26.88% | 1.04% | 0.01% | 0.07% | 3.18% |
| Q1 2025 | 26.82% | 1.19% | 0.02% | 0.12% | 3.01% |
| Q4 2024 | 26.84% | 1.33% | 0.01% | 0.08% | 2.97% |
| Q3 2024 | 27.13% | 0.89% | 0.52% | 2.84% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| First National Bank and Trust Company of Newtown | Newtown , PA | 18940 | $278.9M |
| Fairless Hills Branch | Fairless Hills , PA | 19030 | $121.4M |
| Langhorne Branch | Langhorne , PA | 19047 | $106.3M |
| Richboro Branch | Richboro , PA | 18954 | $85.9M |
| Solebury Office Branch | New Hope , PA | 18938 | $76.7M |
| Park Terrace Branch | Doylestown , PA | 18901 | $64.5M |
| Newtown Township Branch | Newtown , PA | 18940 | $64.3M |
| Washington Crossing Branch | Washington Crossing , PA | 18977 | $58.9M |
| Warminster Office Branch | Warminster , PA | 18974 | $56.2M |
| Wrightstown Branch | Newtown , PA | 18940 | $50.8M |
| Jamison Office Branch | Jamison , PA | 18929 | $37.0M |
| Pennswood Village Branch | Newtown , PA | 18940 | $11.0M |
| Southampton Estates Branch | Southampton , PA | 18966 | $4.9M |
| St. Andrew School Branch | Newtown , PA | 18940 | $578K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC). These actions name the parent holding company, FNB BANCORP, INC., not the bank itself
- July 14, 2014, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): FNB Bank, National Association
- September 18, 2013, OCC: Civil Money Penalty (CMP): FNB Bank, National Association
- Period: Most recent institution action July 14, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in PA, rank 55 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, 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 & Trust Company of Newtown
What are First National Bank & Trust Company of Newtown's total assets?
As of the Q2 2026 filing, First National Bank & Trust Company of Newtown reported total assets of $1.17 billion in its FFIEC call report.
Where is First National Bank & Trust Company of Newtown headquartered?
It is headquartered in Newtown, PA, United States.
When was First National Bank & Trust Company of Newtown founded?
It was established in 1864, per the FDIC institution directory.
Is First National Bank & Trust Company of Newtown FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7658). 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 & Trust Company of Newtown?
First National Bank & Trust Company of Newtown's primary federal regulator is the OCC.
What is First National Bank & Trust Company of Newtown's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 27.50% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First National Bank & Trust Company of Newtown operate?
It operates 14 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 & Trust Company of Newtown's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 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 non-performing assets against the bank's capital and reserves.
What was First National Bank & Trust Company of Newtown previously called?
The charter now named First National Bank & Trust Company of Newtown has also operated as First National Bank and Trust Company of Newtown (1983), per FDIC structure-change records.
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