NexTier Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
NexTier Bank, N.A. is an FDIC-insured commercial bank headquartered in Kittanning, PA, established in 1897 (FDIC certificate 7900), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.93B, up 3.8% from Q2 2025, the 21st largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.11% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7900
- Headquarters
- Kittanning, PA
- Established
- 1897
- Total assets, Q2 2026
- $2.93B
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 12.11%
- Domestic offices
- 34 FDIC institution directory, current count
- Routing number
- 043311497
- Latest call report
- Q2 2026, FFIEC 051 · NexTier Bank, N.A. call report
- Holding company
- NEXTIER INCORPORATED
- Asset rank in state
- 21st of 109 in Pennsylvania
Problem loans are rising at NexTier Bank, N.A.. It reported $2.9 billion in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.49% of loans from 1.07% a year earlier. It holds about half of its deposits (51%) above the FDIC insurance limit, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 30.9%). It also carries problem assets equal to 11.3% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.
The non-owner-occupied commercial real estate book ($467 million) is worsening: 4.25% of it is past due or on nonaccrual, up from 0.93% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, NexTier Bank, N.A. reported a CET1 capital ratio of 12.11%, a return on assets of 1.50%, a nonperforming-loan ratio of 1.49% and a Texas ratio of 11.28%. The figures come from its call report filed with the FFIEC.
NexTier Bank, N.A. ranks as the 21st largest of the 109 banks based in Pennsylvania, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.6% to $2.93B, loans rose 0.5% and deposits rose 2.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 28.0% of total loans, followed by non-owner-occupied commercial real estate loans at 21.2%. The FDIC Summary of Deposits lists 32 offices for it, in 25 cities across 2 states; its Kittanning 4 offices book 23% of its branch deposits. By the capital ratios in its Q2 2026 call report, NexTier Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 222 Market St, Kittanning, PA 16201
- County
- Armstrong
- Metro Area
- Pittsburgh, PA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1897
- Former names
- Farmers and Merchants Bank of Western Pennsylvania, National Association (2008-2014)
- Domestic offices
- 34 FDIC institution directory, current count
- Employees (FTE)
- 313
- Domestic deposits
- $2.54B
- Allowance for credit losses
- $23.5M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $2.91B
- Average total loans
- $2.20B
- Average interest-bearing deposits
- $2.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7900
- Fed RSSD
- 18827
- SEC CIK
- 1617639 → filed by NEXTIER INCORPORATED
- Website
- www.nextierbank.com →
- Parent Holding Company
- NEXTIER INCORPORATED (RSSD 2264404)
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
From Q3 2023 to Q2 2026, NexTier Bank, N.A.'s total assets ranged from $2.21B (Q3 2023) to $2.93B (Q4 2025), 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
$2.93B total assets against $2.82B; $2.62B total liabilities against $2.54B.
$2.18B net loans and leases against $2.14B; $2.54B total deposits against $2.44B.
$380.6M securities against $351.4M; $178.3M cash and balances due against $138.6M.
$38.9M total interest income against $38.4M; $13.4M total interest expense against $14.7M.
$25.5M net interest income against $23.7M.
$2.6M total noninterest income against $2.0M; $14.0M total noninterest expense against $12.9M.
$564K provision for credit losses against $305K.
$10.9M net income against $10.0M.
1.50% return on assets against 1.42%; 3.76% net interest margin against 3.61%.
12.11% CET1 capital ratio against 11.34%; 9.64% tier 1 leverage ratio against 9.05%.
Inside the full NexTier Bank, N.A. 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
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).
NexTier Bank, N.A. rankings
Its closest position to the top of a national ranking is 94 of 980, for uninsured deposits; its furthest is 1,662 of 2,134, for CET1 ratio.
Metric pages for NexTier Bank, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.21% (Q1 2025) to 1.52% (Q3 2025) and its net interest margin ran from 3.28% (Q4 2024) to 3.76% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.11% | 1.50% | 1.49% | 11.28% | 3.76% |
| Q1 2026 | 11.75% | 1.27% | 1.55% | 12.26% | 3.57% |
| Q4 2025 | 11.40% | 1.46% | 1.25% | 10.13% | 3.57% |
| Q3 2025 | 11.58% | 1.52% | 1.34% | 10.54% | 3.57% |
| Q2 2025 | 11.34% | 1.42% | 1.07% | 8.76% | 3.61% |
| Q1 2025 | 11.78% | 1.21% | 0.99% | 8.16% | 3.40% |
| Q4 2024 | 11.54% | 1.23% | 0.94% | 8.08% | 3.28% |
| Q3 2024 | 11.18% | 1.43% | 1.06% | 9.31% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View all 32 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 |
|---|---|---|---|
| Nextier Bank, National Association | Kittanning , PA | 16201 | $435.9M |
| Butler Branch | Butler , PA | 16001 | $195.0M |
| Mars Branch | Mars , PA | 16046 | $189.7M |
| Cranberry Branch | Cranberry Township , PA | 16066 | $160.8M |
| Richland Branch | Gibsonia , PA | 15044 | $142.1M |
| Zelienople Branch | Zelienople , PA | 16063 | $93.2M |
| Moraine Pointe Branch | Butler , PA | 16001 | $89.4M |
| Butler Branch | Kittanning , PA | 16201 | $83.1M |
| The Hummingbird Plaza Branch | Chicora , PA | 16025 | $81.5M |
| Lyndora Branch | Lyndora , PA | 16045 | $80.8M |
| Dubois Branch | Dubois , PA | 15801 | $77.9M |
| Wexford Branch | Wexford , PA | 15090 | $73.0M |
| Oakland Branch | Pittsburgh , PA | 15206 | $69.9M |
| Manor Office Branch | Manor , PA | 15665 | $65.7M |
| Rochester Branch | Rochester , NY | 14620 | $56.5M |
| Saxonburg Branch | Saxonburg , PA | 16056 | $55.7M |
| Evans City Branch | Evans City , PA | 16033 | $51.8M |
| Penn Township Branch | Penn Township , PA | 16002 | $51.3M |
| North Main Street Branch | Butler , PA | 16001 | $49.9M |
| Highlands-West Branch | West Kittanning , PA | 16201 | $46.9M |
| Worthington Branch | Worthington , PA | 16262 | $41.2M |
| 422 East Branch | Kittanning , PA | 16201 | $40.5M |
| Babcock Branch | Pittsburgh , PA | 15209 | $40.2M |
| Freeport Office Branch | Freeport , PA | 16229 | $39.3M |
| Parker Branch | Parker , PA | 16049 | $38.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2026 | Structure Change | Acquired Riverside Bank of Dublin Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 17, 2024 | Structure Change | Acquired Mars Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2017 | Structure Change | Acquired Manor Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 9, 2016 | Structure Change | Acquired Eureka Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 8, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2014 | Structure Change | Acquired NexTier Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2008 | Structure Change | Acquired The Farmers National Bank of Kittanning Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in PA, rank 31 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 435 applications, 329 loans originated, $161.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 6 loans, $772K approved, $129K 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 NexTier Bank, N.A.
What are NexTier Bank, N.A.'s total assets?
As of the Q2 2026 filing, NexTier Bank, N.A. reported total assets of $2.93 billion in its FFIEC call report.
Where is NexTier Bank, N.A. headquartered?
It is headquartered in Kittanning, PA, United States.
When was NexTier Bank, N.A. founded?
It was established in 1897, per the FDIC institution directory.
Is NexTier Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7900). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates NexTier Bank, N.A.?
NexTier Bank, N.A.'s primary federal regulator is the OCC.
What is NexTier Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.11% in its Q2 2026 call report, above regulatory requirements.
How many branches does NexTier Bank, N.A. operate?
It operates 34 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is NexTier Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 11.28% 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.
What was NexTier Bank, N.A. previously called?
The charter now named NexTier Bank, N.A. has also operated as Farmers and Merchants Bank of Western Pennsylvania, National Association (2008-2014), per FDIC structure-change records.
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