Total Assets
$50.0B
Total balance-sheet footings
FDIC Cert #7888 · Greenville, Pennsylvania · Est. 1864
First National Bank of Pennsylvania - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $50.0B
- Total assets
- A
- Health grade · Excellent
- 1.29%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
First National Bank of Pennsylvania earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.37% Tier 1, profitable at 1.29% ROA, efficient (52% cost ratio).
- #50
- largest of 4,313 FDIC banks by assets
- 99th
- percentile by asset size, nationally
- 11.37%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First National Bank of Pennsylvania's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First National Bank of Pennsylvania's composite health score
Tier 1 Capital Ratio (11.37%) 28/40
Return on Assets (ROA) (1.29%) 20/25
Texas Ratio (1.61%) 20/20
Efficiency Ratio (51.65%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$39.1B
Customer-funded liabilities
Net Loans
$34.8B
Outstanding loan book
Net Income
$634M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First National Bank of Pennsylvania ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First National Bank of Pennsylvania's score of 80/100 falls in the highlighted band.
First National Bank of Pennsylvania'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). First National Bank of Pennsylvania's $50.0B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.37% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.37%
Texas Ratio
1.61%
Equity Capital
$6.7B
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.29%
Return on Equity (ROE)
9.84%
Efficiency Ratio
51.65%
What the numbers say about First National Bank of Pennsylvania
First National Bank of Pennsylvania is an FDIC-insured institution (Certificate #7888) headquartered in Greenville, Pennsylvania, established in 1864. It holds $50.0B in total assets - 50th of 4,313 FDIC-insured banks, $39.1B in customer deposits, and $34.8B in net loans. Looking at capital strength, Tier 1 stands at 11.37%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.61%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (80/100), 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.
First National Bank of Pennsylvania's asset base places it among the largest FDIC-insured institutions in the country, 50th of 4,313 nationally, and 1st of 112 banks headquartered in Pennsylvania. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$2.3B
Interest Income
$332M
Non-Interest Income
$942M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First National Bank of Pennsylvania reports a Texas Ratio of 1.61% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.61% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
National size peers: banks closest to First National Bank of Pennsylvania by assets
First National Bank of Pennsylvania is closely matched in total assets by BOKF, Barclays Bank Delaware, Frost Bank, SoFi Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.17%, versus First National Bank of Pennsylvania's own 1.29%; the average efficiency ratio is 62.08%, versus 51.65% here; and average Tier 1 capital sits at 13.22%, versus 11.37% at First National Bank of Pennsylvania. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $50.0B in assets, First National Bank of Pennsylvania has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| First National Bank of Pennsylvania (this bank) | PA | $50.0B | 1.29% | 51.65% | 11.37% |
| BOKF, National Association | OK | $52.0B | 1.10% | 64.16% | 12.02% |
| Barclays Bank Delaware | DE | $47.6B | 0.87% | 64.66% | 13.63% |
| Frost Bank | TX | $53.1B | 1.26% | 62.53% | 14.33% |
| SoFi Bank, National Association | UT | $46.6B | 1.96% | 68.09% | 16.44% |
| EverBank, National Association | FL | $46.0B | 0.72% | 56.37% | 12.37% |
| Associated Bank, National Association | WI | $45.1B | 1.10% | 56.64% | 10.52% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First National Bank of Pennsylvania (FDIC Cert #7888) - 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 |
|---|---|---|---|
| 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% |
| S&T BankIndiana | $9.9B | A | 1.43% |
Frequently asked questions
What is First National Bank of Pennsylvania's health grade?▼
First National Bank of Pennsylvania receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is First National Bank of Pennsylvania?▼
First National Bank of Pennsylvania holds $50.0B in total assets and $39.1B in deposits, ranking 50th of 4,313 FDIC-insured banks by asset size. It is headquartered in Greenville, Pennsylvania.
Is my money safe at First National Bank of Pennsylvania?▼
Yes, deposits at First National Bank of Pennsylvania (Certificate #7888) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First National Bank of Pennsylvania's Tier 1 Capital Ratio?▼
First National Bank of Pennsylvania has a Tier 1 Capital Ratio of 11.37%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First National Bank of Pennsylvania?▼
First National Bank of Pennsylvania has a Texas Ratio of 1.61%. 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 First National Bank of Pennsylvania?▼
First National Bank of Pennsylvania has an Efficiency Ratio of 51.65%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First National Bank of Pennsylvania's profile as a depositor or analyst.
- First National Bank of Pennsylvania's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First National Bank of Pennsylvania 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.