BlastPoint's Banking Scorecard
First National Bank of Pennsylvania
Greenville, PA
364 branches across PA · NC · MD · OH · SC · VA · WV · DC
First National Bank of Pennsylvania has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 38.2% in tier
- + Efficiency Ratio 0.19% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 28.6% in tier
- - ROA 0.13% below tier average
- - Net Interest Margin 0.47% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.4B
+3.3% YoY
+0.8% QoQ
|
+$3.5B |
$47.0B
-1.9% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
77% |
| Total Loans ? |
$34.9B
+2.9% YoY
+0.4% QoQ
|
+$5.6B |
$29.4B
-0.4% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$39.3B
+2.9% YoY
+0.4% QoQ
|
+$855.3M |
$38.4B
-1.6% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.15%
+7.2% YoY
-10.2% QoQ
|
-0.13% |
1.28%
+18.7% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
3.31%
+4.4% YoY
-0.7% QoQ
|
-0.47% |
3.77%
+5.8% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
53.81%
-2.3% YoY
+4.2% QoQ
|
-0.19% |
54.01%
-3.7% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
0.38%
-22.6% YoY
+14.8% QoQ
|
-0.64% |
1.02%
-3.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
88.98%
-0.0% YoY
-0.0% QoQ
|
+8.19% |
80.79%
+1.9% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
26.33%
-6.4% YoY
+0.3% QoQ
|
+6.29% |
20.04%
+0.2% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.27%
-22.4% YoY
+13.8% QoQ
|
-0.45% |
0.72%
+4.2% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
11.65%
+8.1% YoY
+0.6% QoQ
|
-3.87% |
15.51%
-0.4% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.9% in tier |
| Non-Interest Income / Assets ? |
0.16%
-3.0% YoY
-76.0% QoQ
|
-0.06% |
0.22%
+0.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.