First National Bank and Trust Company of Newtown

Overview / Commentary
40 South State Street
Newtown, PA 18940

First National Bank and Trust Company of Newtown is headquartered in NEWTOWN and is the 43rd largest bank in the state of Pennsylvania. It is also the 910th largest bank in the nation. It was established in 1864 and as of March of 2024, it had grown to 127 employees at 15 locations. First National Bank and Trust Company of Newtown has a B health rating.

Reviews (2)

First National Bank of Newtown Delivers

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The First National Bank of Newtown, located in the suburbs of Philadelphia, Pennsylvania, earns rave reviews from this reviewer. I've been banking there for almost 20 years, and can honestly say I've never had a problem. They are delightful, friendly; the kind of bank that remembers your name. One time in particular, I can remember making a deposit, and noticing a few weeks later that I was shorted on the amount I deposited. I went back to the First National Bank, spoke with a manager, and after a few minutes, he informed me of the bank's mistake. Not only was the rest of my money deposited, but they also gave me a bonus $50 for the mix up! What a great gesture of true customer service. I'm very pleased to bank at First National of Newtown, and will continue to do so for the foreseeable future.

Small Banks, Big Benefits

I love dealing with First National Bank and Trust Company of Newtown. I have a checking account and savings account with this bank. I find the fees are reasonable and the interest collected is on par with what any large bank would offer. When I was in college (and significantly less fiscally responsible), First National Bank had very reasonable overdraft policies. They were willing to overturn two overdraft fees and had options to move money in quickly same day/day after to avoid overdraft. Further, I always loved going into the bank because everyone is so friendly.


Health Grade Components

FDIC Certificate #7658
Year Established1864
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD27.07%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.13B$1.27B
LoansQ1 2024vs Q1 2023$440.6MM$419.4MM
DepositsQ1 2024vs Q1 2023$1B$1.17B
Equity CapitalQ1 2024vs Q1 2023$56.5MM$46.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.9MM$3.7MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.5MM$2.2MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First National Bank and Trust Company of Newtown Money Market Rates

0.15%*$50k*-Money Market Checking
OTHER TIERS: 0.10% $0 - $50k
0.15%*$50k*-Money Market Savings
OTHER TIERS: 0.10% $0 - $50k

First National Bank and Trust Company of Newtown CD Rates

0.95%$500-60 Month CD
0.80%$500-48 Month CD
0.55%$500-36 Month CD
0.40%$500-24 Month CD
0.35%$500-18 Month CD
0.25%$500-12 Month CD
0.15%$500-6 Month CD
0.10%$500-90 Day CD

First National Bank and Trust Company of Newtown IRA Rates

0.95%$500-60 Month IRA
0.80%$500-48-59 Month IRA
0.55%$500-36-47 Month IRA
0.40%$500-24-35 Month IRA
0.35%$500-18-23 Month IRA
0.25%$500-12-17 Month IRA
0.15%$500-6-11 Month IRA


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