First National Bank & Trust Company of Newtown: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank & Trust Company of Newtown of Newtown, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.35% | 1.44% | -0.09% | 56th above |
| ROAE | 14.46% | 12.50% | +1.96% | 67th above |
| Net Interest Margin | 3.37% | 3.84% | -0.47% | 29th below |
| Efficiency Ratio | 57.50% | 58.87% | -1.37% | 53rd above |
| PPNR / Avg Assets | 1.67% | 1.78% | -0.11% | 46th below |
| Yield on Earning Assets | 3.56% | 5.72% | -2.16% | 1st bottom |
| Cost of Funds | 0.14% | 2.03% | -1.89% | 100th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.15% | 3.18% | -0.03% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.97% | -0.97% | 98th top |
| NPA / Total Assets | 0.00% | 0.75% | -0.75% | 98th top |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 78th top |
| ACL / Total Loans | 0.73% | 1.25% | -0.52% | 10th bottom |
| Texas Ratio | 0.00% | 7.17% | -7.17% | 99th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 27.50% | 17.39% | +10.11% | 96th top |
| Tier 1 Ratio | 27.50% | 17.43% | +10.07% | 96th top |
| Total Capital Ratio | 28.26% | 18.49% | +9.77% | 96th top |
| Leverage Ratio | 12.95% | 11.59% | +1.36% | 85th top |
| Equity / Assets | 9.43% | 11.33% | -1.90% | 30th below |
| TCE / Tangible Assets | 9.43% | 10.65% | -1.22% | 42nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.79% | 86.39% | -35.60% | 96th top |
| Core Deposit Ratio | 99.79% | 85.54% | +14.25% | 98th top |
| Uninsured Deposit Ratio | 23.49% | 32.72% | -9.23% | 76th top |
| Wholesale Funding Ratio | 2.84% | 5.46% | -2.62% | 60th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.03% | 10.46% | -8.43% | 28th below |
| Loan Growth (Y/Y) | 8.48% | 7.99% | +0.49% | 67th above |
| Deposit Growth (Y/Y) | 4.01% | 7.98% | -3.97% | 44th below |
See First National Bank & Trust Company of Newtown's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First National Bank & Trust Company of Newtown, 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 & Trust Company of Newtown profile, how to read a UBPR, or how this data updates.