FDIC Cert #27763 · Indiana, Pennsylvania · Est. 1922

InFirst Bank - FDIC Bank Health Profile

A community-scale look at InFirst Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$664M
Total assets
B
Health grade · Good
0.83%
Return on assets
13.7%
Tier 1 capital

Data updated July 2026

The verdict

InFirst Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.72% Tier 1, 0.83% ROA, 69% efficiency ratio.

#1,431
largest of 4,313 FDIC banks by assets
67th
percentile by asset size, nationally
13.72%
Tier 1 ratio - above the 10% well-capitalized line
31st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 27763 · PA B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2333/4307
  • PHOTO-FINISH WaFd Bank · WA
  • TIER1-WELL 13.7% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-PAR 0.83% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: WaFd Bank, WA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around InFirst Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100InFirst Bank · PA · this bank77/100Peoples Bank of Deer… · MT ·…77/100River City Bank, Inc. · KY ·…77/100Security Savings Bank · IL ·…77/100WaFd Bank · WA · near77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around InFirst Bank · July 2026

Call Report read for InFirst Bank in a high-failure state

InFirst Bank (FDIC Cert #27763) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,333 of 4,307. Tier 1 capital prints at 13.72%, clearing the 10% well-capitalized line. The Texas Ratio is 1.29%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.83%. Balance-sheet scale is $664M, 1,431st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is WaFd Bank (WA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around InFirst Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

InFirst Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about InFirst Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

How InFirst Bank's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
InFirst Bank's composite health score
Tier 1 Capital Ratio (13.72%) 35/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (1.29%) 20/20
Efficiency Ratio (68.96%) 8/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$664M

Total balance-sheet footings

Total Deposits

$597M

Customer-funded liabilities

Net Loans

$577M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.32% 13.72% 15.12%
Basel III capital ratios - InFirst Bank

Where InFirst Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. InFirst Bank's score of 77/100 falls in the highlighted band.

InFirst Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 46th percentile higher than 46% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. InFirst Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

InFirst 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). InFirst Bank's $664M falls in the highlighted band.

Capital & credit buffers at InFirst Bank

Tier 1 capital ratio
Well-capitalized 10%

13.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.72%
Texas Ratio
1.29%
Equity Capital
$60M

What these ratios mean →

Profitability metrics: InFirst Bank

Return on Assets (ROA)
31st percentile nationally
0.83%
Return on Equity (ROE)
9.43%
Efficiency Ratio
68.96%

What these mean →

Income & expense at InFirst Bank

$37M
Interest Income
$3M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. InFirst Bank reports a Texas Ratio of 1.29% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.29% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View InFirst Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($664M here), outside Pennsylvania so the neighborhood is not state containment.

Modern Bank $664M · NY Oconee Federal Savings and Loan Assoc… $664M · SC First Southwest Bank $664M · CO CCB Community Bank $663M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) InFirst Bank (FDIC Cert #27763) - 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.

InFirst Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
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%