Firstrust Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 27.56 percentage points lower than in Q1 2026, at 178.34%. On return on assets, Firstrust Savings Bank ranks 9th highest among the 109 banks headquartered in Pennsylvania, at 1.93% (Q2 2026). Firstrust Savings Bank's return on assets of 1.93% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.80% |
| Tier 1 risk-based capital ratio | 11.80% |
| Total risk-based capital ratio | 13.06% |
| Tier 1 leverage ratio | 11.44% |
| Equity capital to assets | 10.71% |
| Tangible equity to tangible assets | 10.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.89% |
| Non-performing assets ratio | 0.75% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 4.88% |
| Allowance for credit losses to loans | 1.59% |
| Reserve coverage of non-performing loans | 178.34% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 17.56% |
| Net interest margin | 4.19% |
| Efficiency ratio | 59.47% |
| Yield on earning assets | 5.88% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.23% |
| Core deposits to total deposits | 94.38% |
| Brokered deposits to total deposits | 1.82% |
| Deposits to assets | 84.74% |
| Securities to assets | 8.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.02% | 12.02% | 13.27% | 10.86% | 1.79% |
| Q4 2023 | 12.47% | 12.47% | 13.72% | 11.21% | 1.61% |
| Q1 2024 | 12.77% | 12.77% | 14.03% | 11.34% | 1.77% |
| Q2 2024 | 12.66% | 12.66% | 13.92% | 11.43% | 1.69% |
| Q3 2024 | 12.26% | 12.26% | 13.52% | 11.45% | 1.80% |
| Q4 2024 | 12.13% | 12.13% | 13.39% | 11.41% | 1.62% |
| Q1 2025 | 12.21% | 12.21% | 13.47% | 11.33% | 2.07% |
| Q2 2025 | 12.45% | 12.45% | 13.70% | 11.83% | 1.94% |
| Q3 2025 | 12.32% | 12.32% | 13.57% | 11.60% | 2.36% |
| Q4 2025 | 11.96% | 11.96% | 13.22% | 11.06% | 1.40% |
| Q1 2026 | 12.44% | 12.44% | 13.69% | 11.31% | 1.56% |
| Q2 2026 | 11.80% | 11.80% | 13.06% | 11.44% | 1.93% |
Firstrust Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Firstrust Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Firstrust Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26647) · FFIEC NIC profile (RSSD 932978)