First National Bank of Pennsylvania: how it compares with its peers
Against 55 U.S. banks with half to twice its assets, First National Bank of Pennsylvania's strongest measure in Q2 2026 is efficiency ratio (52.54% vs. a 52.70% peer median). Its weakest relative measure is return on assets (1.19% vs. 1.25%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.25% | Middle third Ahead of 36% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.32% | 3.55% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.54% | 52.70% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.2M | $13.1M | Middle third Ahead of 40% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.03% | 84.48% | Context |
What it means for lending operations
Its efficiency ratio of 52.54% is better than the 52.70% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Associated Bank, National Association Green Bay, WI · $51.76B
- BOKF, National Association Tulsa, OK · $52.98B
- Bank of China New York, NY · $48.52B
- Frost Bank San Antonio, TX · $53.95B
- EverBank, National Association Jacksonville, FL · $46.69B
- Raymond James Bank Saint Petersburg, FL · $45.60B
Questions about First National Bank of Pennsylvania
How big is First National Bank of Pennsylvania?
First National Bank of Pennsylvania, established in 1864, is headquartered in Greenville, PA. It reported $50.80B in total assets in its Q2 2026 FDIC call report and operates 366 offices.
What is First National Bank of Pennsylvania's return on assets?
1.19% annualized in Q2 2026, against a 1.25% median for 55 U.S. banks with half to twice its assets, ahead of 36% of them.
What is First National Bank of Pennsylvania's efficiency ratio?
52.54% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 52.70%, and lower is better.
Is First National Bank of Pennsylvania growing its loans?
Net loans grew 3.1% over the year to Q2 2026, while deposits grew 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Pennsylvania bank ranked.