First Resource Bank (Exton, PA)
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Data as of · sourced from FFIEC call reports. How we update
First Resource Bank is an FDIC-insured commercial bank headquartered in Exton, PA, established in 2005 (FDIC certificate 57967), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $840.9M, up 20.6% from Q2 2025, the 50th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 10.94% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57967
- Headquarters
- Exton, PA
- Established
- 2005
- Total assets, Q2 2026
- $840.9M
- Assets vs Q2 2025
- +20.6%
- CET1 ratio, Q2 2026
- 10.94%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 031918873
- Holding company
- FIRST RESOURCE BANCORP, INC
- Asset rank in state
- 50th of 109 in Pennsylvania
First Resource Bank operates with a thinner capital cushion than most banks of its size. It reported $841 million in assets at June 30, 2026, up 20.6% from a year earlier. It holds common equity equal to 10.94% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 4.5 times its capital, 3.8 times the median of 1.2 times for banks its size. It has also been growing, with assets up 20.6% in a year.
Earnings jumped: net income for the quarter was $3.0 million, 50% above the same quarter a year earlier. Over the same year, loans grew 16.3% and deposits grew 24.8%. Funding is the softer spot: it pays an average of 2.43% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, First Resource Bank reported a CET1 capital ratio of 10.94%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 1.17%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Resource Bank is the 50th largest of the 109 banks headquartered in Pennsylvania. From Q1 2026 to Q2 2026, its total assets rose 3.7% to $840.9M, loans rose 3.1% and deposits rose 3.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.9% of total loans, followed by non-owner-occupied commercial real estate loans at 18.9%. The FDIC Summary of Deposits lists 3 offices for it, in Exton, PA, West Chester, PA and Wayne, PA; its Exton office books 48% of its branch deposits. On its Q2 2026 call report, First Resource Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 800 N Pottstown Pike, Exton, PA 19341
- County
- Chester
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 2, 2005
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $749.9M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $819.4M
- Average total loans
- $713.5M
- Average interest-bearing deposits
- $602.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 2, 2005
- FDIC Cert
- 57967
- Fed RSSD
- 3349241
- SEC CIK
- 2032122 → filed by FIRST RESOURCE BANCORP, INC
- Website
- www.firstresourcebank.com →
- Parent Holding Company
- FIRST RESOURCE BANCORP, INC (RSSD 5690134)
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
First Resource Bank's total assets moved between a low of $580.8M (Q3 2023) and a high of $840.9M (Q2 2026) from Q3 2023 to 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
$840.9M total assets against $697.2M; $771.2M total liabilities against $641.7M.
$721.1M net loans and leases against $620.1M; $749.9M total deposits against $600.7M.
$31.1M securities against $16.5M; $62.7M cash and balances due against $35.0M.
$12.8M total interest income against $10.3M; $4.5M total interest expense against $4.3M.
$8.3M net interest income against $6.0M.
$435K total noninterest income against $372K; $4.6M total noninterest expense against $3.7M.
$386K provision for credit losses against $131K.
$3.0M net income against $2.0M.
1.45% return on assets against 1.19%; 4.16% net interest margin against 3.73%.
10.94% CET1 capital ratio against 10.32%; 8.62% tier 1 leverage ratio against 8.45%.
Inside the full First Resource Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Resource Bank rankings
Its closest position to the top of a national ranking is 997 of 3,606, for efficiency ratio; its furthest is 1,971 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q4 2024) to 1.45% (Q2 2026) and its net interest margin ran from 3.46% (Q3 2024) to 4.16% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.94% | 1.45% | 0.12% | 1.17% | 4.16% |
| Q1 2026 | 10.78% | 1.32% | 0.43% | 4.20% | 3.84% |
| Q4 2025 | 10.87% | 1.24% | 0.11% | 1.05% | 3.84% |
| Q3 2025 | 10.27% | 1.34% | 0.00% | 0.00% | 3.93% |
| Q2 2025 | 10.32% | 1.19% | 0.03% | 0.36% | 3.73% |
| Q1 2025 | 10.31% | 1.09% | 0.04% | 0.45% | 3.57% |
| Q4 2024 | 10.07% | 0.68% | 0.21% | 2.21% | 3.54% |
| Q3 2024 | 10.10% | 1.09% | 0.00% | 0.00% | 3.46% |
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Branch Network
View all 3 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 Resource Bank (main office) | Exton , PA | 19341 | $357.6M |
| West Chester Office | West Chester , PA | 19380 | $274.5M |
| Wayne | Wayne , PA | 19087 | $117.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in PA, rank 63 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 82 loans originated, $54.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $6.4M approved, $3.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Resource Bank
What are First Resource Bank's total assets?
As of the Q2 2026 filing, First Resource Bank reported total assets of $840.9 million in its FFIEC call report.
Where is First Resource Bank headquartered?
It is headquartered in Exton, PA, United States.
When was First Resource Bank founded?
It was established in 2005, per the FDIC institution directory.
Is First Resource Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57967). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Resource Bank?
First Resource Bank's primary federal regulator is the FDIC.
What is First Resource Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.94% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Resource Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Resource Bank's Texas Ratio?
Its Texas Ratio is 1.17% 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.
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