BlastPoint's Banking Scorecard

First National Bank of Pennsylvania

$10B-$250B Specialty: Commercial PA FDIC cert 7888

Greenville, PA

364 branches across PA · NC · MD · OH · SC · VA · WV · DC

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 139 banks in the $10B-$250B peer group nationwide — 1 of 8 in PA.
Deposits +1.2% year over year ($39.1B on the books).
Delinquency rate 0.39%.
Return on assets 1.19%.
Efficiency ratio 52.54% vs a 53.67% peer average.
Loan-to-deposit ratio 91.03% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 8 in PA

View $10B-$250B leaderboard (PA) →

First National Bank of Pennsylvania has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 42.9% in tier
+ Efficiency Ratio 1.14% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.0% in tier
- Capital Thin: Bottom 25.7% in tier
- ROA 0.20% below tier average
- Net Interest Margin 0.60% below tier average

Get updates when First National Bank of Pennsylvania releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$50.8B +2.6% YoY +0.8% QoQ	+$7.2B	$43.6B -13.8% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$35.6B +3.1% YoY +1.8% QoQ	+$7.6B	$28.0B -8.6% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$39.1B +1.2% YoY -0.5% QoQ	+$3.7B	$35.4B -14.0% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.19% +5.2% YoY +3.3% QoQ	-0.20%	1.39% +25.9% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	42%
Net Interest Margin ?	3.32% +2.1% YoY +0.5% QoQ	-0.60%	3.92% +8.9% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	52.54% -1.0% YoY -2.4% QoQ	-1.14%	53.67% -1.9% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	61%
Delinquency Rate ?	0.39% -16.0% YoY +1.7% QoQ	-0.63%	1.01% -2.8% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	91.03% +1.8% YoY +2.3% QoQ	+8.42%	82.61% +3.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	26.63% -3.9% YoY +1.1% QoQ	+6.05%	20.58% +4.9% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	0.27% -15.8% YoY +1.7% QoQ	-0.46%	0.73% +5.8% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	11.60% +6.4% YoY -0.4% QoQ	-3.75%	15.35% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	Bottom 12.2% in tier
Non-Interest Income / Assets ?	0.32% -0.0% YoY +103.8% QoQ	-0.17%	0.50% +10.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	46%

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	26.6% -1.1pp YoY +0.3pp QoQ	+5.6pp	21.0%	18.7%	22.2%	68%
Brokered Deposits	3.6% +0.6pp YoY +0.6pp QoQ	-5.6pp	9.2%	6.8%	8.5%	36%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	20.4% +0.6pp YoY -0.2pp QoQ	+3.2pp	17.2%	8.6%	12.5%	71%
CRE	33.8% -2.8pp YoY -0.9pp QoQ	-8.2pp	42.0%	37.9%	41.4%	28%
1-4 Family	39.0% +1.8pp YoY +0.6pp QoQ	+15.9pp	23.1%	47.8%	31.3%	91%
Consumer	3.0% 0.0pp YoY +0.2pp QoQ	-9.9pp	12.9%	3.8%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	11.4% +0.7pp YoY 0.0pp QoQ	-3.9pp	15.3%	22.3%	19.7%	9%
Leverage Ratio	9.4% +0.6pp YoY 0.0pp QoQ	-1.0pp	10.4%	13.2%	12.6%	28%
Total Capital Ratio	13.6% +0.5pp YoY -0.2pp QoQ	-2.9pp	16.5%	23.3%	20.8%	33%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	4,173 +60 (+1.5%) YoY +20 (+0.5%) QoQ	+915	3,258	299	482	79%
Assets per Employee ($)	$12.2M +1.2% YoY +0.3% QoQ	-$14.9M	$27.0M	$9.2M	$8.8M	49%
Branch Count	361 0 YoY -2 (-0.6%) QoQ	+223	137	20	18	91%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.4%	48%
Nonaccrual	0.3% -0.1pp YoY 0.0pp QoQ	-0.4pp	0.7%	0.9%	1.0%	19%
Allowance Coverage	3.23x +19.7% YoY -2.4% QoQ	+0.42x	2.81x	3.63x	20.23x	82%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.4%	0.1%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	8.9% +0.1pp YoY +0.3pp QoQ	-3.7pp	12.6%	10.2%	11.6%	24%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	-0.2pp	2.0%	1.8%	1.7%	45%
Net Income ($, YTD)	$300.7M +8.5% YoY — QoQ	+$3.9M	$296.8M	$18.2M	$40.4M	70%

Get Full Access to First National Bank of Pennsylvania

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#16 of 35 • Top 42.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.39%

(Tier: 1.01%, National: 0.98%)

better than tier avg

35 of 35 Large banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Strain

risk

#5 of 40 • Bottom 10.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.03%

(Tier: 82.61%, National: 79.03%)

worse than tier avg

40 of 40 Large banks match · 1092 nationally

→ Stable +81 banks QoQ

Capital Thin

risk

#10 of 35 • Bottom 25.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.60%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.39%

Peer Median: 1.01%

#25 of 138 Top 17.4% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.27%

Peer Median: 0.73%

#26 of 139 Top 18.0% in $10B-$250B

Total Loans

size

Value: $35.57B

Peer Median: $27.97B

#32 of 139 Top 22.3% in $10B-$250B

Total Assets

size

Value: $50.80B

Peer Median: $43.60B

#33 of 139 Top 23.0% in $10B-$250B

Total Deposits

size

Value: $39.07B

Peer Median: $35.42B

#34 of 139 Top 23.7% in $10B-$250B

Top Weaknesses (1 metrics)

123

Tier 1 Capital Ratio

capital

Value: 11.60%

Peer Median: 15.35%

#123 of 139 Bottom 12.2% in $10B-$250B