The Turbotville National Bank
Also written as TNB
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Data as of · sourced from FFIEC call reports. How we update
The Turbotville National Bank is an FDIC-insured commercial bank headquartered in Turbotville, PA, established in 1910 (FDIC certificate 7789), and it is supervised by the OCC. At Q2 2026 it reported total assets of $243.5M, up 14.2% from Q2 2025, the 88th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 7789
- Headquarters
- Turbotville, PA
- Established
- 1910
- Total assets, Q2 2026
- $243.5M
- Assets vs Q2 2025
- +14.2%
- Tier 1 leverage ratio, Q2 2026
- 16.49%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 031313753
- Latest call report
- Q2 2026, FFIEC 051 · The Turbotville National Bank Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- TURBOTVILLE NATIONAL BANCORP, INC.
- Asset rank in state
- 88th of 109 in Pennsylvania
The Turbotville National Bank runs leaner than most banks of its size. It reported $243 million in assets at June 30, 2026, up 14.2% from a year earlier. It spends about 36 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also funds 16.49% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.3 million, 41% above the same quarter a year earlier.
As of June 30, 2026, The Turbotville National Bank reported a return on assets of 2.20%, a nonperforming-loan ratio of 1.10% and a Texas ratio of 4.99%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Turbotville National Bank is the 88th largest of the 109 banks headquartered in Pennsylvania. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $243.5M, loans rose 4.5% and deposits rose 3.1%. 1-4 family residential loans made up 41.4% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 39.8%. Its one office in the FDIC Summary of Deposits is in Turbotville, PA. By the capital ratios in its Q2 2026 call report, The Turbotville National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4710 State Route 54, Turbotville, PA 17772
- County
- Northumberland
- Metro Area
- Sunbury, 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 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1910
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $202.0M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $34K
- Average total assets
- $243.6M
- Average total loans
- $178.7M
- Average interest-bearing deposits
- $167.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7789
- Fed RSSD
- 906410
- Website
- www.ttnb.com →
- Parent Holding Company
- TURBOTVILLE NATIONAL BANCORP, INC. (RSSD 1142813)
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, The Turbotville National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Turbotville National Bank's total assets moved between a low of $184.2M (Q3 2023) and a high of $243.5M (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
$243.5M total assets against $213.2M; $204.9M total liabilities against $178.8M.
$180.0M net loans and leases against $153.6M; $202.0M total deposits against $176.3M.
$33.2M securities against $34.3M; $22.7M cash and balances due against $18.6M.
$3.4M total interest income against $2.9M; $1.1M total interest expense against $1.1M.
$2.3M net interest income against $1.8M.
$125K total noninterest income against $104K; $876K total noninterest expense against $790K.
$0 provision for credit losses against $0.
$1.3M net income against $951K.
2.20% return on assets against 1.79%; 3.95% net interest margin against 3.44%.
16.49% tier 1 leverage ratio against 17.27%.
Inside the full The Turbotville National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Turbotville National Bank rankings
Its closest position to the top of a national ranking is 97 of 3,606, for efficiency ratio; its furthest is 2,737 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.33% (Q4 2024) to 2.20% (Q2 2026) and its net interest margin ran from 3.32% (Q3 2024) to 4.14% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.49% | 2.20% | 1.10% | 4.99% | 3.95% |
| Q1 2026 | 16.96% | 2.19% | 1.08% | 4.83% | 3.88% |
| Q4 2025 | 16.87% | 1.55% | 1.09% | 4.97% | 4.14% |
| Q3 2025 | 17.38% | 1.82% | 1.19% | 5.12% | 3.80% |
| Q2 2025 | 17.27% | 1.79% | 1.16% | 5.00% | 3.44% |
| Q1 2025 | 17.21% | 1.65% | 1.21% | 5.29% | 3.32% |
| Q4 2024 | 17.40% | 1.33% | 1.32% | 5.78% | 3.38% |
| Q3 2024 | 17.92% | 1.75% | 1.38% | 6.04% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Turbotville National Bank | Turbotville , PA | 17772 | $202.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 110 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Turbotville National Bank
What are The Turbotville National Bank's total assets?
As of the Q2 2026 filing, The Turbotville National Bank reported total assets of $243.5 million in its FFIEC call report.
Where is The Turbotville National Bank headquartered?
It is headquartered in Turbotville, PA, United States.
When was The Turbotville National Bank founded?
It was established in 1910, per the FDIC institution directory.
Is The Turbotville National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #7789). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Turbotville National Bank?
The Turbotville National Bank's primary federal regulator is the OCC.
How many branches does The Turbotville National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Turbotville National Bank's Texas Ratio?
Its Texas Ratio is 4.99% 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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