BlastPoint's Banking Scorecard
First National Bank of Pennsylvania
Large
Specialty: Commercial
PA
FDIC cert 7888
Greenville, PA
69
banks in Large tier nationally
3 in PA
View Large leaderboard (PA) →
First National Bank of Pennsylvania faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 41% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.0B
+3.2% YoY
+0.7% QoQ
|
-$24.8B |
$74.9B
-4.4% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$34.8B
+3.3% YoY
+0.2% QoQ
|
-$11.6B |
$46.4B
-2.1% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$39.1B
+2.7% YoY
+0.5% QoQ
|
-$21.4B |
$60.5B
-4.5% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.29%
+22.8% YoY
+7.8% QoQ
|
+0.09% |
1.19%
+17.8% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.33%
+4.4% YoY
+0.7% QoQ
|
-0.13% |
3.46%
+13.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
51.65%
-6.5% YoY
-0.1% QoQ
|
-3.37% |
55.03%
-2.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.33%
-34.7% YoY
-15.2% QoQ
|
-0.55% |
0.88%
-0.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
89.00%
+0.6% YoY
-0.3% QoQ
|
+7.28% |
81.72%
+3.9% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
26.24%
-6.2% YoY
-2.1% QoQ
|
+6.27% |
19.97%
+0.5% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.24%
-34.0% YoY
-15.2% QoQ
|
-0.31% |
0.55%
+9.0% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
11.58%
+9.0% YoY
+3.3% QoQ
|
-1.75% |
13.33%
-0.7% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.66%
+4.9% YoY
+32.4% QoQ
|
-0.42% |
1.09%
+2.4% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#8 of 18 · Bottom 41% in Large
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.58%
(Tier: 13.33%, National: 9.75%)
18 of 18 Large banks match
·
505 nationally
→ Stable
+11 banks QoQ
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
88
88th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.88%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.55%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 26.24% · Tier avg: 19.97%
72
72th pctile
Efficiency Ratio
Current: 51.65% · Tier avg: 55.03%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.19%
54
54th pctile
Total Loans
Current: $34.8B · Tier avg: $46.4B
52
52th pctile
Total Assets
Current: $50.0B · Tier avg: $74.9B
51
51th pctile
Total Deposits
Current: $39.1B · Tier avg: $60.5B
46
46th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 1.09%
45
45th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.46%
31
31th pctile
Loan-to-Deposit Ratio
Current: 89.00% · Tier avg: 81.72%
18
18th pctile
Tier 1 Capital Ratio
Current: 11.58% · Tier avg: 13.33%
Top Weaknesses
18
18th pctile
Tier 1 Capital Ratio
Current: 11.58% · Tier avg: 13.33%
31
31th pctile
Loan-to-Deposit Ratio
Current: 89.00% · Tier avg: 81.72%
45
45th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.46%
46
46th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 1.09%
51
51th pctile
Total Deposits
Current: $39.1B · Tier avg: $60.5B
52
52th pctile
Total Assets
Current: $50.0B · Tier avg: $74.9B
54
54th pctile
Total Loans
Current: $34.8B · Tier avg: $46.4B
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.19%
72
72th pctile
Efficiency Ratio
Current: 51.65% · Tier avg: 55.03%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 26.24% · Tier avg: 19.97%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.55%
88
88th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.88%