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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

First National Bank of Pennsylvania

Greenville, Pennsylvania · $50.80B in assets · beside the 7 other Pennsylvania banks over $10B

The filing

13.4%
Equity / assets
1st of 8
3.2x
Coverage of noncurrent
1st of 8
92.2%
Loans / deposits
7th of 8

First National Bank of Pennsylvania is the largest of the 8 Pennsylvania banks over $10B, with $50.80B in assets at 30 June 2026. Loans are 92.2% of deposits, 7th of 8 against a median of 90.5%, and equity is 13.4% of assets, the highest in the cohort. Loans grew +3.1% in the year, 5th of 8, and deposits grew 1.2%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.38% of the book, 4th of 8 against a median of 0.54%; 0.25% is 30 to 89 days past due, and the allowance covers them 3.2 times. Net charge-offs are 0.19% of loans, 5th of 8. Commercial real estate is 24.2% of loans, 4th of 8 against a median of 24.6%, and 165% of capital, below the 300% screen, with construction at 50% against the 100% screen.

Return on assets is 1.20%, 4th of 8 against a median of 1.18%, on an efficiency ratio of 53.2%, 3rd of 8. Five years ago it was 1.04%. The question is what the capital is for: the balance sheet carries less risk than it could.

Equity as a share of assetsPA banks over $10B · 30 June 2026 · higher is stronger, listed first
median 11.3% FN First National Bank of Pennsylvania 13.4% FC First Commonwealth Bank 12.5% NB Northwest Bank 11.6% BM BNY Mellon National Association 11.6% FB Fulton Bank National Association 11.0% DB Dollar Bank FSB 10.3% CB Customers Bank 8.8% TC Tristate Capital Bank 7.0%
Loans, year over yearPA banks over $10B · 30 June 2026 · no better direction, largest first
median +4.5% TC Tristate Capital Bank +23.5% CB Customers Bank +16.9% NB Northwest Bank +16.6% DB Dollar Bank FSB +5.8% FN First National Bank of Pennsylvania +3.1% FB Fulton Bank National Association +1.5% FC First Commonwealth Bank -1.1% BM BNY Mellon National Association -1.2%

SBA 7(a), FY2008 to FY2026

First National Bank of Pennsylvania is the 2nd largest 7(a) lender into North Carolina of 326, with $656M across 942 loans, 5.5% of everything approved in the state (Live Oak Banking Company leads with $1.40B). 253 of its 434 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in North Carolina, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Wake, NC$142M2nd of 1818.3%-2.9 pts
Mecklenburg, NC$122M4th of 1776.0%-1.3 pts
Allegheny, PA$44M7th of 1403.4%-5.1 pts
Lancaster, PA$41M2nd of 1047.6%+4.1 pts
Guilford, NC$41M3rd of 1256.8%-1.1 pts
Cuyahoga, OH$30M11th of 1451.6%-2.1 pts
Henrico, VA$27M3rd of 998.0%-11.1 pts
Iredell, NC$25M2nd of 888.3%quiet FY2022
Cook, IL$25M49th of 2820.4%+0.1 pts
Baltimore, MD$25M6th of 1303.1%-0.7 pts
New Hanover, NC$23M4th of 965.0%-0.6 pts
York, PA$23M5th of 806.3%thin
Harford, MD$23M2nd of 719.3%-29.9 pts
421 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance382$296M14.1%0.62%32nd of 2,172
Accommodation & food services471$276M13.1%0.36%69th of 2,596
Other services400$229M10.9%0.65%34th of 2,248
Manufacturing292$215M10.2%0.54%31st of 2,246
Professional & technical services341$201M9.5%0.62%30th of 1,955
7(a) lenders into North Carolina, share of approvals since FY2008326 lenders on record; the ten largest and First National
LO Live Oak Banking Company 11.7% $1.40B · 1,090 loans FN First National Bank of Pennsylvan… 5.5% $656M · 942 loans TB Truist Bank 5.4% $645M · 1,934 loans WF Wells Fargo Bank National Associa… 5.0% $600M · 2,368 loans PB Pinnacle Bank 4.2% $508M · 541 loans G Gbank 4.1% $497M · 177 loans UC United Community Bank 2.8% $334M · 426 loans T Townebank 2.6% $309M · 326 loans TH The Huntington National Bank 2.4% $282M · 632 loans FB First Bank 2.2% $263M · 424 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First NationalRankCohort median
Total CRE against capital, the 300% screen165%3rd of 8172%
Construction against capital, the 100% screen50%8th of 818%
Construction and land development, share of loans7.4%8th of 82.4%
Non-owner-occupied nonfarm nonresidential, share of loans14.3%5th of 812.6%
Total CRE, the guidance definition, share of loans24.2%4th of 824.6%
CRE growth over 36 months, the third prong+4.0%3rd of 8+13.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Pennsylvania$50.80B1.2%53.2%0.38%0.19%1.2%92.2%13.4%
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Customers Bank$26.50B1.2%48.9%0.33%0.31%0.9%82.4%8.8%
Tristate Capital Bank$24.26B0.7%47.8%0.30%0.13%0.3%87.3%7.0%
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Dollar Bank FSB$12.70B0.6%72.8%0.72%0.08%1.0%99.0%10.3%
First Commonwealth Bank$12.18B1.4%53.6%0.89%0.41%1.3%92.0%12.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First NationalCohort median
20212026Change20212026Change
Loans$25.27B$36.01B+42%$13.64B$18.30B+34%
Deposits$30.81B$39.07B+27%$13.19B$22.10B+68%
NPA / loans0.53%0.38%-0.14 pts0.61%0.54%-0.07 pts
Efficiency57.6%53.2%-4.4 pts56.9%55.1%-1.8 pts
ROA1.04%1.20%+0.15 pts1.10%1.18%+0.07 pts

This read was prepared for First National Bank of Pennsylvania's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First National Bank of Pennsylvania is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks over $10B
Institution www.fnb-online.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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