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Overview / Commentary
800-555-5455
166 Main Street
Greenville, PA 16125

First National Bank of Pennsylvania is headquartered in Greenville and is the 4th largest bank in the state of Pennsylvania. It is also the 90th largest bank in the nation. It was established in 1864 and as of March of 2014, it had grown to 2,728 employees at 311 locations. First National Bank of Pennsylvania has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First National Bank of Pennsylvania had $163.06 million in non-current loans and owned real-estate with $1.91 billion in equity and loan loss allowances on hand to cover it. This gives First National Bank of Pennsylvania a Texas Ratio of 8.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for First National Bank of Pennsylvania experienced no significant changes from 8.96% as of March 31, 2013 to 8.55% as of March 31, 2014, resulting in a positive change of 4.68%.This indicates that the balance sheet and financial strength for First National Bank of Pennsylvania has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, First National Bank of Pennsylvania has increased its total deposits by $1.74 billion, resulting in 18.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank of Pennsylvania has shown is excellent.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank of Pennsylvania has $14.29 billion in assets with $1.91 billion in equity, resulting in a capitalization level of 13.35%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #7888
Year Established1864
Employees2728
Primary RegulatorOCC
Assets and Liabilities
Assets$14.29 billion
Loans$9.69 billion
Deposits$11.07 billion
Equity Capital$1.80 billion
Loan Loss Allowance$105.03 million
Unbacked Noncurrent Loans$120.28 million
Real Estate Owned$42.78 million
Historic Data - March 2013
Assets$11.81 billion
Equity Capital$1.48 billion
Loan Loss Allowance$100.66 million
Unbacked Noncurrent Loans$120.28 million
Real Estate Owned$35.26 million
Profit Margin - Quarterly
Return on Assets0.95%
Return on Equity7.53%
Interest Income$108.67 million
Rates

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First National Bank of Pennsylvania Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$50k-FirstRate Savings
0.03%--Holiday Club

First National Bank of Pennsylvania Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$1m-FirstRate Money Market

First National Bank of Pennsylvania Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$2,500-Lifestyle Checking

First National Bank of Pennsylvania CD Rates

DetailsAPYMINMAXPRODUCT
1.11%--60 Month CD
0.70%--48 Month CD
0.60%--36 Month CD
0.45%--24 Month CD
0.30%--15 Month CD Online Special
0.30%--18 Month CD
0.25%--12 Month Savers Goal CD
0.20%--9 Month CD
0.20%--12 Month CD
0.10%--6 Month CD
0.05%--3 Month CD
Locations

First National Bank of Pennsylvania has 273 locations. Click to view all First National Bank of Pennsylvania locations.