PackageTrendsPeer
Letter portraitLegal landscape

First National Bank of Pennsylvania

Greenville, PA · Cert 7888 · F N B Corp.

National charter · OCC · 358 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

42

Q2 2024Q2 2026Peer median (50)

Asset Quality

66

Q2 2024Q2 2026Peer median (50)

Profitability

35

Q2 2024Q2 2026Peer median (50)

Liquidity

50

Q2 2024Q2 2026Peer median (100)

Efficiency

63

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

First National Bank of Pennsylvania

Greenville, PA · Cert 7888 · F N B Corp.

National charter · OCC · 358 branches

Q2 2026

$50.8BAssets
$36.0BLoans
$39.1BDeposits
$6.8BEquity
Loan mix
76%RE $25.5B21%C&I $7.2B3%Consumer $1.0BQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $28.7B27%Noninterest $10.4BQ3 2024Q2 2026

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 5.5% share · #4 of 48 inst. · $11.6B of $209.3B

4.1% Allegheny
18.9% Dauphin
18.8% Erie
12.3% Westmoreland

Executive Summary

  • Earnings: ROA of 1.19%, up 6 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.38% of loans (-7 bps YoY), with net charge-offs at 0.19%.
  • Capital: tier 1 leverage ratio of 9.43%, up 57 bps from a year ago.
  • Funding: loans stand at 92.17% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.19%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+9 bps YoY

Efficiency Ratio (YTD, annualized)

52.54%-52 bps YoY

Tier 1 Leverage Ratio

9.43%+57 bps YoY

NIM

4.77%Q2 ’244.70%Q2 ’254.60%Q2 ’26+2%+3%

Non-interest income vs. expense

1.91%Q2 ’241.91%Q2 ’251.94%Q2 ’26+0%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.05%1.08%1.13%1.19%1.29%1.15%1.19%+6 bps
Return on Equity8.28%8.15%8.38%8.78%9.19%9.84%8.61%8.90%+12 bps
Net Interest Margin2.95%2.95%2.98%3.05%3.08%3.10%3.14%3.14%+9 bps
Efficiency Ratio54.63%55.25%55.07%53.05%51.70%51.65%53.81%52.54%-52 bps
Non-Interest Burden1.27%1.29%1.29%1.26%1.22%1.23%1.33%1.28%+2 bps
Growth
Asset Growth (YoY)4.76%5.24%6.59%4.04%3.97%3.24%3.32%2.63%-142 bps
Loan Growth (YoY)5.11%4.10%5.30%3.20%3.91%3.34%2.91%3.09%-11 bps
Deposit Growth (YoY)6.06%8.38%8.77%9.11%4.83%2.72%2.93%1.22%-788 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.50%0.49%0.45%0.39%0.33%0.38%0.38%-7 bps
Net Charge-Offs / Loans0.17%0.18%0.15%0.20%0.20%0.20%0.18%0.19%-1 bps
Allowance / Loans1.23%1.23%1.24%1.23%1.23%1.24%1.24%1.23%+1 bps
Allowance Coverage of NPLs3.0x2.5x2.6x2.7x3.2x3.8x3.3x3.2x+0.5x
Capital
Tier 1 Leverage Ratio8.71%8.78%8.76%8.86%9.02%9.27%9.39%9.43%+57 bps
Total Risk-Based Capital12.79%12.86%13.07%13.08%13.40%13.75%13.80%13.62%+54 bps
Equity / Assets12.90%12.78%12.94%13.00%13.20%13.42%13.40%13.39%+39 bps
Liquidity & Funding
Loans / Deposits91.22%89.57%90.11%90.50%90.42%90.11%90.10%92.17%+167 bps
Liquid Assets / Assets11.08%12.34%12.16%12.13%12.05%12.44%12.67%12.20%+7 bps
CRE / Total Capitaln/an/an/an/a295%278%272%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

First National Bank of Pennsylvania

Greenville, PA · Cert 7888 · Peer group: banks over $10B in assets (n=142-144) · F N B Corp.

National charter · OCC · 358 branches

Q2 2026

$50.8BAssets
$36.0BLoans
$39.1BDeposits
$6.8BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 83% of banks over $10B in assets (rank 25 of 142).
  • Widest gap: tier 1 capital ratio trails 88% of banks over $10B in assets (rank 127 of 144).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.18%

Rank 87 of 144

Net Interest Margin

3.14%

Rank 86 of 144

Efficiency Ratio

53.21%

Rank 54 of 144

Equity / Assets

13.39%

Rank 26 of 144

Non-interest income vs. expense

$329.1M$973.3MINCOMEEXPENSE
Unfavorable gap of $644.1M · efficiency ratio beats 63% of banks over $10B in assets
Bank 53.21%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.18%1.00%1.26%1.54%Beats 40%87 / 144
Return on Equity8.84%8.98%11.34%14.40%Beats 24%110 / 144
Net Interest Margin3.14%2.82%3.31%3.68%Beats 40%86 / 144
Efficiency Ratio53.21%49.42%56.02%62.41%Beats 63%54 / 144
Asset Quality
Nonperforming Loans / Loans0.38%0.48%0.73%1.07%Beats 83%25 / 142
Net Charge-Offs / Loans0.12%0.05%0.11%0.22%Beats 49%74 / 142
Capital
Tier 1 Capital Ratio11.60%12.07%12.98%14.92%Beats 12%127 / 144
Total Risk-Based Capital Ratio13.62%13.39%14.14%16.25%Beats 33%97 / 144
Equity / Assets13.39%9.69%11.39%12.96%Beats 82%26 / 144
Liquidity & Funding
Loans / Deposits92.17%75.72%84.92%91.56%78th pctl32 / 143
Loans / Assets70.88%59.83%69.07%74.80%58th pctl61 / 144
Brokered Deposits / Depositsn/aNot reported for this institution