BlastPoint's Banking Scorecard
First National Bank and Trust Company of Newtown
Designations: ✓ Community bank
Newtown, PA
14 branches across PA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
- Deposits +4.0% year over year ($1.0B on the books).
- Delinquency rate 0.00%.
- Return on assets 1.35%.
- Efficiency ratio 57.74% vs a 59.73% peer average.
- Loan-to-deposit ratio 50.42% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank and Trust Company of Newtown has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
- + Non-Interest-Bearing Deposit Share 33.50% above tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 1.99% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48.3% in tier
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+2.0% YoY
+0.8% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.4% in tier |
| Total Loans ? |
$512.9M
+8.5% YoY
+1.7% QoQ
|
-$1.5B |
$2.0B
-0.3% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.8% in tier |
| Total Deposits ? |
$1.0B
+4.0% YoY
+4.6% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.35%
+22.1% YoY
-0.7% QoQ
|
-0.04% |
1.39%
+17.0% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
3.43%
+5.6% YoY
+3.4% QoQ
|
-0.44% |
3.87%
+6.2% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
57.74%
-8.7% YoY
+1.5% QoQ
|
-1.99% |
59.73%
-12.6% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.87% |
0.87%
+11.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
50.42%
+4.3% YoY
-2.8% QoQ
|
-34.62% |
85.04%
-0.1% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 4.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
54.78%
+7.3% YoY
+4.5% QoQ
|
+33.50% |
21.27%
-1.5% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Top 1.1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+11.7% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
27.50%
+2.3% YoY
+1.0% QoQ
|
+12.66% |
14.84%
-0.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 3.1% in tier |
| Non-Interest Income / Assets ? |
0.35%
+3.3% YoY
+97.0% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
54.8%
+3.7pp YoY +2.3pp QoQ |
+33.4pp | 21.4% | 18.7% | 22.2% | 99% |
| Brokered Deposits | n/a | n/a | 9.5% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.9%
-0.6pp YoY -0.5pp QoQ |
-13.1pp | 14.0% | 8.6% | 12.5% | 2% |
| CRE |
34.2%
+0.5pp YoY +0.6pp QoQ |
-15.9pp | 50.0% | 37.9% | 41.4% | 14% |
| 1-4 Family |
53.4%
+0.9pp YoY +0.1pp QoQ |
+27.0pp | 26.4% | 47.8% | 31.3% | 92% |
| Consumer |
0.6%
0.0pp YoY -0.1pp QoQ |
-4.1pp | 4.7% | 3.8% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
27.5%
+0.6pp YoY +0.3pp QoQ |
+11.9pp | 15.6% | 22.3% | 19.7% | 96% |
| Leverage Ratio |
12.9%
+0.7pp YoY -0.1pp QoQ |
+1.6pp | 11.3% | 13.2% | 12.6% | 85% |
| Total Capital Ratio |
28.3%
+0.7pp YoY +0.3pp QoQ |
+11.6pp | 16.7% | 23.3% | 20.8% | 96% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
122
-2 (-1.6%) YoY +2 (+1.7%) QoQ |
-192 | 313 | 299 | 482 | 14% |
| Assets per Employee ($) |
$9.6M
+3.7% YoY -0.8% QoQ |
-$923K | $10.5M | $9.2M | $8.8M | 61% |
| Branch Count |
14
0 YoY 0 QoQ |
-6 | 20 | 20 | 18 | 46% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.8% | 0.9% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 18.71x | 3.63x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
-1.4pp YoY -0.2pp QoQ |
+2.0pp | 12.6% | 10.2% | 11.6% | 70% |
| Cost of Funds (YTD) |
0.2%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.9% | 1.8% | 1.7% | 0% |
| Net Income ($, YTD) |
$7.8M
+25.0% YoY — QoQ |
-$11.4M | $19.2M | $18.2M | $40.4M | 29% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.