Bank Safety Analysis
Is First National Trust Company Safe?
First National Trust Company passes all 4 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q2 2026 call report.
Return on assets dropped 4.37 percentage points in Q2 2026, from 51.22% to 46.85%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.57% for banks in the < $100M asset tier, First National Trust Company reported 153.75% on CET1 ratio in Q2 2026, 134.18 points higher. From Q3 2023 to Q2 2026, First National Trust Company's CET1 ratio ranged between 150.53% (Q4 2025) and 165.80% (Q3 2023) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, First National Trust Company's CET1 ratio from 152.39% to 153.75%, Texas ratio from 0.00% to 0.00%, return on assets from 36.41% to 46.85% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (536 banks) · Industry averages as of Q2 2026.
CET1 of 153.75% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 90.66% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 65.6% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 153.75% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Flags at 100% or above | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 153.75% |
| Q1 2026 | 151.13% |
| Q4 2025 | 150.53% |
| Q3 2025 | 161.12% |
| Q2 2025 | 152.39% |
| Q1 2025 | 163.53% |
| Q4 2024 | 158.42% |
| Q3 2024 | 159.17% |
| Q2 2024 | 154.72% |
| Q1 2024 | 163.83% |
| Q4 2023 | 156.19% |
| Q3 2023 | 165.80% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
First National Trust Company by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 153.75% | — | 0.00% | 46.85% |
| Mar 31, 2026 | 151.13% | — | 0.00% | 51.22% |
| Dec 31, 2025 | 150.53% | — | 0.00% | 49.07% |
| Sep 30, 2025 | 161.12% | — | 0.00% | 52.37% |
| Jun 30, 2025 | 152.39% | — | 0.00% | 36.41% |
| Mar 31, 2025 | 163.53% | — | 0.00% | 48.07% |
| Dec 31, 2024 | 158.42% | — | 0.00% | 35.55% |
| Sep 30, 2024 | 159.17% | — | 0.00% | 38.49% |
| Jun 30, 2024 | 154.72% | — | 0.00% | 41.19% |
| Mar 31, 2024 | 163.83% | — | 0.00% | 45.49% |
| Dec 31, 2023 | 156.19% | — | 0.00% | 41.98% |
| Sep 30, 2023 | 165.80% | — | 0.00% | 40.28% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is First National Trust Company well capitalized?
Yes. First National Trust Company reports a CET1 Ratio of 153.75%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator applies under Prompt Corrective Action.
What is First National Trust Company's Texas Ratio?
First National Trust Company's Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FFIEC NIC profile (RSSD 3229875)
Explore: Full First National Trust Company profile · Other banks in PA · Metric glossary · How the call report works