Total Assets
$1.0B
Total balance-sheet footings
FDIC Cert #27943 · Bethel Park, Pennsylvania · Est. 1922
Brentwood Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $1.0B
- Total assets
- D
- Health grade · Weak
- 0.06%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Brentwood Bank earns a PlainBankData health grade of D (41/100), with 9.73% Tier 1 capital, 0.06% ROA, 92% efficiency ratio.
- #1,021
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 9.73%
- Tier 1 ratio - below the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Brentwood Bank's 41/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Brentwood Bank's composite health score
Tier 1 Capital Ratio (9.73%) 18/40
Return on Assets (ROA) (0.06%) 7/25
Texas Ratio (7.97%) 16/20
Efficiency Ratio (92.41%) 0/15
41 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$748M
Customer-funded liabilities
Net Loans
$768M
Outstanding loan book
Net Income
$622K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Brentwood Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Brentwood Bank's score of 41/100 falls in the highlighted band.
Brentwood Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Brentwood Bank's $1.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.73% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.73%
Texas Ratio
7.97%
Equity Capital
$99M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.06%
Return on Equity (ROE)
0.64%
Efficiency Ratio
92.41%
What the numbers say about Brentwood Bank
Brentwood Bank is an FDIC-insured institution (Certificate #27943) headquartered in Bethel Park, Pennsylvania, established in 1922. It holds $1.0B in total assets - 1,021st of 4,313 FDIC-insured banks, $748M in customer deposits, and $768M in net loans. On safety, its Tier 1 capital ratio of 9.73% is below the 10% well-capitalized threshold, and its Texas Ratio of 7.97% sits in the healthy range below 50%. It earns a PlainBankData health grade of D (41/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, Brentwood Bank ranks 44th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$49M
Interest Income
$3M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Brentwood Bank reports a Texas Ratio of 7.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Brentwood Bank
Brentwood Bank's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.73% is below the 10% "well-capitalized" benchmark.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Brentwood Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Brentwood Bank (FDIC Cert #27943) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Brentwood Bank's health grade?▼
Brentwood Bank receives a health grade of D (41/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Brentwood Bank?▼
Brentwood Bank holds $1.0B in total assets and $748M in deposits, ranking 1,021st of 4,313 FDIC-insured banks by asset size. It is headquartered in Bethel Park, Pennsylvania.
Is my money safe at Brentwood Bank?▼
Yes, deposits at Brentwood Bank (Certificate #27943) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Brentwood Bank's Tier 1 Capital Ratio?▼
Brentwood Bank has a Tier 1 Capital Ratio of 9.73%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Brentwood Bank?▼
Brentwood Bank has a Texas Ratio of 7.97%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Brentwood Bank?▼
Brentwood Bank has an Efficiency Ratio of 92.41%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Brentwood Bank's profile as a depositor or analyst.
- Brentwood Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Brentwood Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.