Infirst 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.
Reserve coverage of non-performing loans climbed 373.57 percentage points in Q2 2026, from 789.31% to 1162.88%. It was the largest change from Q1 2026 among the key lines here. Infirst Bank ranks 50th of 109 Pennsylvania banks on return on assets, in the upper half at 1.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Infirst Bank sits 0.08 points lower, at 1.18% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.91% |
| Tier 1 risk-based capital ratio | 13.91% |
| Total risk-based capital ratio | 15.17% |
| Tier 1 leverage ratio | 9.49% |
| Equity capital to assets | 9.16% |
| Tangible equity to tangible assets | 9.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.09% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.96% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 1162.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 12.98% |
| Net interest margin | 4.05% |
| Efficiency ratio | 61.89% |
| Yield on earning assets | 6.14% |
| Cost of funds | 2.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.41% |
| Core deposits to total deposits | 90.02% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.68% |
| Securities to assets | 6.01% |
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 | 14.22% | 14.22% | 15.48% | 9.86% | 0.53% |
| Q4 2023 | 14.20% | 14.20% | 15.45% | 9.87% | 0.50% |
| Q1 2024 | 14.63% | 14.63% | 15.88% | 9.71% | 0.45% |
| Q2 2024 | 13.99% | 13.99% | 15.24% | 9.42% | 0.44% |
| Q3 2024 | 14.00% | 14.00% | 15.26% | 9.36% | 0.56% |
| Q4 2024 | 13.60% | 13.60% | 14.85% | 9.31% | 0.73% |
| Q1 2025 | 13.28% | 13.28% | 14.54% | 9.19% | 0.57% |
| Q2 2025 | 13.28% | 13.28% | 14.53% | 9.18% | 0.91% |
| Q3 2025 | 13.40% | 13.40% | 14.65% | 9.06% | 0.87% |
| Q4 2025 | 13.72% | 13.72% | 14.98% | 9.17% | 0.93% |
| Q1 2026 | 13.90% | 13.90% | 15.15% | 9.32% | 0.86% |
| Q2 2026 | 13.91% | 13.91% | 15.17% | 9.49% | 1.18% |
Infirst Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Infirst 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 Infirst Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27763) · FFIEC NIC profile (RSSD 904171)