BlastPoint's Banking Scorecard
First National Bank and Trust Company of Newtown
Designations: ✓ Community bank
Newtown, PA
14 branches across PA
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 0.89% below tier average
- + Non-Interest-Bearing Deposit Share 31.14% above tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 4.19% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48.3% in tier
- - Net Interest Margin 0.50% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+2.7% YoY
+1.2% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.1% in tier |
| Total Loans ? |
$504.5M
+8.7% YoY
+0.7% QoQ
|
-$1.5B |
$2.0B
+0.6% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Bottom 3.1% in tier |
| Total Deposits ? |
$972.4M
+1.2% YoY
+1.6% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.9% in tier |
| Return on Assets ? |
1.36%
+14.6% YoY
+17.7% QoQ
|
+0.00% |
1.37%
+19.6% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
3.32%
+4.2% YoY
+4.9% QoQ
|
-0.50% |
3.82%
+6.9% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
56.87%
-7.2% YoY
-5.8% QoQ
|
-4.19% |
61.06%
-4.6% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.89% |
0.89%
+14.1% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
51.89%
+7.4% YoY
-1.0% QoQ
|
-32.32% |
84.20%
+0.3% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
Top 4.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
52.43%
+4.0% YoY
+2.1% QoQ
|
+31.14% |
21.29%
-2.5% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Top 1.6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+15.6% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
27.22%
+1.5% YoY
+1.5% QoQ
|
+12.06% |
15.16%
+2.0% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 3.3% in tier |
| Non-Interest Income / Assets ? |
0.18%
+5.7% YoY
-73.9% QoQ
|
-0.08% |
0.26%
+1.6% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
65% |
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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.