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
Unfavorable gap of $644.1M · efficiency ratio beats 63% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.18% | 1.00% | 1.26% | 1.54% | Beats 40% | 87 / 144 | |
| Return on Equity | 8.84% | 8.98% | 11.34% | 14.40% | Beats 24% | 110 / 144 | |
| Net Interest Margin | 3.14% | 2.82% | 3.31% | 3.68% | Beats 40% | 86 / 144 | |
| Efficiency Ratio | 53.21% | 49.42% | 56.02% | 62.41% | Beats 63% | 54 / 144 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.48% | 0.73% | 1.07% | Beats 83% | 25 / 142 | |
| Net Charge-Offs / Loans | 0.12% | 0.05% | 0.11% | 0.22% | Beats 49% | 74 / 142 | |
| Capital |
| Tier 1 Capital Ratio | 11.60% | 12.07% | 12.98% | 14.92% | Beats 12% | 127 / 144 | |
| Total Risk-Based Capital Ratio | 13.62% | 13.39% | 14.14% | 16.25% | Beats 33% | 97 / 144 | |
| Equity / Assets | 13.39% | 9.69% | 11.39% | 12.96% | Beats 82% | 26 / 144 | |
| Liquidity & Funding |
| Loans / Deposits | 92.17% | 75.72% | 84.92% | 91.56% | 78th pctl | 32 / 143 | |
| Loans / Assets | 70.88% | 59.83% | 69.07% | 74.80% | 58th pctl | 61 / 144 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |