First National Bank of Pennsylvania

Headquarters

166 Main St
Greenville, PA 16125
See all branch locations →

Phone 1-800-555-5455

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.25% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC 5.25% 0.99% →

2024 Overview

General Bank Information

First National Bank of Pennsylvania is an FDIC insured institution located in Greenville, PA. It was founded in 1864 and has approximately $46.04 billion in assets. Customers can open an account at one of its 454 branches.

FDIC Insured Yes
FDIC Certificate # 7888
Date Established 1864
Assets $ 46.04 billion
Loans $ 32.37 billion
Deposits $ 35.14 billion
Capital $ 6.01 billion
 

For a more detailed analysis of First National Bank of Pennsylvania's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - May 23, 2024

Your Current Location: Virginia, VA 20146

Checking Rates APY MIN FEE
Freestyle Checking 0.00% $0 $0.00 Learn MoreShow Less
Lifestyle Checking 0.02% $1,000 $10.00 Learn MoreShow Less

Loan Rates - May 23, 2024

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

First National Bank of Pennsylvania branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


First National Bank of Pennsylvania Locations



Climate Policy and Initiatives

First National Bank of Pennsylvania is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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Financial Details

First National Bank of Pennsylvania Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Pennsylvania. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Bank of Pennsylvania U.S. Bank Average
1.89% 3.96%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, First National Bank of Pennsylvania had $118,224,000 in non-current loans and $2,820,000 in owned real estate. To cover these potential losses it had $6,013,541,000 in equity and $402,985,000 in loans loss reserves. That gives it a Texas Ratio of 1.89%.

Return on Equity
First National Bank of Pennsylvania U.S. Bank Average
8.67% 12.20%

First National Bank of Pennsylvania has a Return on Equity of 8.67% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First National Bank of Pennsylvania U.S. Bank Average
13.06% 10.76%

First National Bank of Pennsylvania has a Capitalization of 13.06% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First National Bank of Pennsylvania Balance Sheet Analysis

As of December 31, 2023, First National Bank of Pennsylvania had assets of $46,035,934,000, loans of $32,368,446,000, and deposits of $35,143,842,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024
ASSETS
Cash & Balances due from depository institutions $ 1,574.97 million
Interest-bearing balances $ 1,118.82 million
Total securities $ 7.16 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 32.37 billion
Loan loss allowance $ 402.99 million
Trading account assets $ 110.71 million
Bank premises and fixed assets N.A.
Other real estate owned $ 2.82 million
Goodwill and other intangibles $ 2.58 billion
All other assets $ 1,410.64 million
     Total Assets $ 40.02 billion
LIABILITIES
Total deposits $ 35.14 billion
      Interest-bearing deposits $ 24.49 billion
      Deposits held in domestic offices $ 35.14 billion
      % insured (estimated) 59.05%
Federal funds purchased and repurchase agreements $ 492.88 million
Trading liabilities $ 325.35 million
Other borrowed funds $ 930.00 million
Subordinated debt $ 420.00 million
All other liabilities $ 439.91 million
      Total Liabilities $ 40.02 billion
      Shareholders’ Equity $ 6.01 billion

Summary Income Statement

December 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 1,988.32 million
Total Interest Expense $ 623.88 million
Net interest income $ 1,364.43 million
Provision for loan and lease losses $ 71.89 million
Total non interest income $ 283.75 million
Total non interest expense $ 886.34 million
Pre-tax Net Operating Income $ 207.86 million

Bank Loan Profile?

The top three loan types in First National Bank of Pennsylvania’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, First National Bank of Pennsylvania has a significantly higher percent of Construction and Development Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.57
Multifamily
Mortgages
1.27
Credit Card Loans 0.02
Consumer Auto Loans 4.40
Small Business Loans 6.09
Construction and Development Loans 7.09
Commercial Real Estate 24.69
Commercial and Industrial Loans 19.30
Farm Loans 0.04

Customer Reviews for First National Bank of Pennsylvania


  • April 21, 2020 |

    Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself.


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