← Back to Institutions
First National Bank of Pennsylvania
Greenville, PA·FDIC Cert #7888·Charter: OCC·Est. 18640204.0·HC: F N B CORP
Total Assets
$50.0B
Q4 2025
Return on Assets
1.29%
+0.09%Peer avg: 1.15%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.65%
Peer avg: 52.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.29%+0.09
ROE
9.84%+0.65
Efficiency
51.65%-0.05
Equity/Assets
0.00%+0.00
NPL Ratio
0.33%-0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.00%-0.31
Charge-offs
0.20%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.1 | 1.0 | 1.1 | 1.1 | 1.2 | 1.3 |
| ROE | 8.5 | 8.6 | 8.3 | 8.2 | 8.4 | 8.8 | 9.2 | 9.8 |
| Efficiency | 55.1 | 53.8 | 54.6 | 55.2 | 55.1 | 53.1 | 51.7 | 51.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.3 | 0.4 | 0.5 | 0.5 | 0.5 | 0.4 | 0.3 |
| Charge-offs | 0.2 | 0.1 | 0.2 | 0.2 | 0.1 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 91.9 | 94.5 | 90.1 | 88.5 | 89.0 | 89.4 | 89.3 | 89.0 |
Balance Sheet
Total Assets$50.0B
Total Deposits$39.1B
Total Loans$34.8B
Total Equity$6.7B
Profitability
ROA1.29%
ROE9.84%
Efficiency Ratio51.65%
Net Income$633.8M
Risk & Asset Quality
NPL Ratio0.33%
Charge-off Rate0.20%
Loan/Deposit89.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans