BlastPoint's Banking Scorecard
First National Bank and Trust Company of Newtown
Community
Specialty: Other
PA
FDIC cert 7658
Newtown, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
First National Bank and Trust Company of Newtown demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Loan-to-Deposit Ratio 30.67% below tier
- + Non-Interest-Bearing Deposit Share 30.32% above tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 16.57% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.5% YoY
+0.3% QoQ
|
-$249.1M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$501.3M
+10.5% YoY
+2.7% QoQ
|
-$474.2M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$956.8M
+2.2% YoY
+2.3% QoQ
|
-$207.8M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.16%
-5.8% YoY
+0.2% QoQ
|
0 |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.16%
+0.3% YoY
+1.7% QoQ
|
-0.50% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
60.35%
-0.3% YoY
-1.0% QoQ
|
-2.28% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.39%
+8.1% YoY
+0.4% QoQ
|
-30.67% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
51.36%
+3.8% YoY
+1.3% QoQ
|
+30.32% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
26.81%
-0.1% YoY
-0.9% QoQ
|
+16.57% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.69%
-11.2% YoY
+33.4% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (5)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Community
Why this stands out
Current:
52.39%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
51.36%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 2%
in Community
Why this stands out
Current:
26.81%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 51.36% · Tier avg: 21.05%
98
98th pctile
Tier 1 Capital Ratio
Current: 26.81% · Tier avg: 10.24%
95
95th pctile
Loan-to-Deposit Ratio
Current: 52.39% · Tier avg: 83.06%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Deposits
Current: $956.8M · Tier avg: $1.2B
55
55th pctile
Efficiency Ratio
Current: 60.35% · Tier avg: 62.63%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
31
31th pctile
Total Loans
Current: $501.3M · Tier avg: $975.5M
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
Top Weaknesses
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
31
31th pctile
Total Loans
Current: $501.3M · Tier avg: $975.5M
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
55
55th pctile
Efficiency Ratio
Current: 60.35% · Tier avg: 62.63%
57
57th pctile
Total Deposits
Current: $956.8M · Tier avg: $1.2B
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
95
95th pctile
Loan-to-Deposit Ratio
Current: 52.39% · Tier avg: 83.06%
98
98th pctile
Tier 1 Capital Ratio
Current: 26.81% · Tier avg: 10.24%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 51.36% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%