New Tripoli Bank
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Data as of · sourced from FFIEC call reports. How we update
New Tripoli Bank is an FDIC-insured commercial bank headquartered in New Tripoli, PA, established in 1910 (FDIC certificate 7659), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $674.0M, up 2.1% from Q2 2025, the 55th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 7659
- Headquarters
- New Tripoli, PA
- Established
- 1910
- Total assets, Q2 2026
- $674.0M
- Assets vs Q2 2025
- +2.1%
- Tier 1 leverage ratio, Q2 2026
- 10.63%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 031312796
- Holding company
- NEW TRIPOLI BANCORP, INC.
- Asset rank in state
- 55th of 109 in Pennsylvania
New Tripoli Bank, based in New Tripoli, Pennsylvania, reported $674 million in assets at June 30, 2026, up 2.1% from a year earlier. It keeps 3.29 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 8.0% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $2.2 million, 143% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $25 million equal 34% of Tier 1 capital, down from 42% a year earlier. One more trend to watch: the non-owner-occupied commercial real estate book ($55 million) is worsening: 1.66% of it is past due or on nonaccrual, up from 0.79% a year earlier.
As of June 30, 2026, New Tripoli Bank reported a return on assets of 1.27%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 7.96%. The figures come from its call report filed with the FFIEC.
New Tripoli Bank ranks as the 55th largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $674.0M, loans fell 0.4% and deposits rose 1.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 50.2% of total loans, ahead of owner-occupied commercial real estate loans at 20.2%. The FDIC Summary of Deposits lists 3 offices for it, in Orefield, PA, New Tripoli, PA and Emmaus, PA; its Orefield office books 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, New Tripoli Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6748 Madison St, New Tripoli, PA 18066
- County
- Lehigh
- Metro Area
- Allentown-Bethlehem-Easton, PA-NJ
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 10, 1910
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $600.4M
- Allowance for credit losses
- $5.7M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $682.5M
- Average total loans
- $526.0M
- Average interest-bearing deposits
- $488.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7659
- Fed RSSD
- 331713
- Website
- http://www.newtripolibank.net →
- Parent Holding Company
- NEW TRIPOLI BANCORP, INC. (RSSD 1138106)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, New Tripoli Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
New Tripoli Bank's total assets moved between a low of $631.4M (Q4 2023) and a high of $674.0M (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
$674.0M total assets against $659.8M; $621.1M total liabilities against $613.9M.
$519.1M net loans and leases against $502.1M; $600.4M total deposits against $563.9M.
$103.9M securities against $103.9M; $13.3M cash and balances due against $14.9M.
$8.1M total interest income against $7.4M; $2.8M total interest expense against $3.2M.
$5.3M net interest income against $4.2M.
$445K total noninterest income against $411K; $3.1M total noninterest expense against $3.4M.
-$91K provision for credit losses against $280K.
$2.2M net income against $892K.
1.27% return on assets against 0.54%; 3.29% net interest margin against 2.73%.
10.63% tier 1 leverage ratio against 10.39%.
Inside the full New Tripoli Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeNew Tripoli Bank rankings
Its closest position to the top of a national ranking is 842 of 3,640, for Texas Ratio; its furthest is 1,835 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.54% (Q2 2025) to 1.27% (Q2 2026) and its net interest margin ran from 2.38% (Q3 2024) to 3.29% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.63% | 1.27% | 0.89% | 7.96% | 3.29% |
| Q1 2026 | 10.63% | 1.03% | 0.88% | 8.17% | 3.20% |
| Q4 2025 | 10.30% | 0.73% | 0.98% | 9.18% | 3.01% |
| Q3 2025 | 10.25% | 0.87% | 1.02% | 9.82% | 2.83% |
| Q2 2025 | 10.39% | 0.54% | 0.69% | 6.76% | 2.73% |
| Q1 2025 | 10.64% | 0.59% | 0.66% | 6.36% | 2.53% |
| Q4 2024 | 10.40% | 0.73% | 0.68% | 6.64% | 2.57% |
| Q3 2024 | 10.45% | 0.72% | 0.60% | 5.34% | 2.38% |
Swipe the table sideways to see every column.
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 |
|---|---|---|---|
| Claussville Branch | Orefield , PA | 18069 | $282.3M |
| New Tripoli Bank (main office) | New Tripoli , PA | 18066 | $209.1M |
| Buckeye Office | Emmaus , PA | 18049 | $109.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in PA, rank 72 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 150 applications, 134 loans originated, $39.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 New Tripoli Bank
What are New Tripoli Bank's total assets?
As of the Q2 2026 filing, New Tripoli Bank reported total assets of $674.0 million in its FFIEC call report.
Where is New Tripoli Bank headquartered?
It is headquartered in New Tripoli, PA, United States.
When was New Tripoli Bank founded?
It was established in 1910, per the FDIC institution directory.
Is New Tripoli Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7659). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates New Tripoli Bank?
New Tripoli Bank's primary federal regulator is the Federal Reserve.
How many branches does New Tripoli 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 New Tripoli Bank's Texas Ratio?
Its Texas Ratio is 7.96% 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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