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

First Resource Bank

Exton, Pennsylvania · $841M in assets · beside the 11 other Pennsylvania banks between $300M and $1B

The filing

454.0%
CRE / capital
12th of 12
+16.3%
Loans, year over year
2nd of 12, largest first
47.7%
CRE / loans
10th of 12

First Resource Bank is the fifth largest of the 12 Pennsylvania banks nearest its size between $300M and $1B, with $841M in assets at 30 June 2026. Loans are 96.9% of deposits, 7th of 12 against a median of 92.2%, and equity is 8.3% of assets, 9th of 12. Loans grew +16.3% in the year, 2nd of 12, and deposits grew 24.8%; the cohort's median loan growth is +6.1%.

Noncurrent loans are 0.12% of the book, 4th of 12 against a median of 0.25%; 0.02% is 30 to 89 days past due, and the allowance covers them 6.5 times. Commercial real estate is 47.7% of loans, 10th of 12 against a median of 30.4%, and 454% of capital, above the 300% screen, with construction at 135% against the 100% screen. CRE has grown +67.1% over 36 months, past the guidance's 50% prong.

Return on assets is 1.37%, 4th of 12 against a median of 1.21%, on an efficiency ratio of 53.2%, 4th of 12. Five years ago it was 0.87%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 17.4% of loans).

Commercial real estate against capital, the 300% screenPA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 159% C Cfsbank 48% PB PS Bank 93% RS Reliance Savings Bank 136% IB Infirst Bank 140% NT New Tripoli Bank 142% PB Pennian Bank 150% FN First Northern Bank & Trust Co. 167% AB Asian Bank 251% AC Atlantic Community Bankers Bank 262% JV Juniata Valley Bank 282% HB Harleysville Bank 284% FR First Resource Bank 454%
Loans, year over yearPA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.1% AB Asian Bank +16.9% FR First Resource Bank +16.3% JV Juniata Valley Bank +14.4% C Cfsbank +10.2% PB PS Bank +8.5% RS Reliance Savings Bank +6.2% IB Infirst Bank +5.9% FN First Northern Bank & Trust Co. +3.5% NT New Tripoli Bank +3.4% AC Atlantic Community Bankers Bank +3.3% PB Pennian Bank +1.2% HB Harleysville Bank +0.5%

SBA 7(a), FY2008 to FY2026

First Resource Bank is the 85th largest 7(a) lender into Pennsylvania of 374, with $19M across 15 loans, 0.2% of everything approved in the state (The Huntington National Bank leads with $747M). 8 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, 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
Chester, PA$13M15th of 1211.7%thin
Cape May, NJ$4M22nd of 671.2%thin
Montgomery, PA$1M90th of 1600.1%quiet FY2022
Salem, NJ$1M12th of 372.3%thin
Bucks, PA$1M83rd of 1400.1%quiet FY2017
Berks, PA$1M51st of 890.2%quiet FY2017
Monroe, PA$809K35th of 670.6%quiet FY2017
Burlington, NJ$596K86th of 1260.1%quiet FY2017
Delaware, PA$532K92nd of 1190.1%quiet FY2017
York, PA$496K57th of 800.1%quiet FY2022
New Castle, DE$459K84th of 1210.1%thin
Monmouth, NJ$425K127th of 1600.0%quiet FY2017
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
Accommodation & food services2$9M34.1%0.01%608th of 2,596
Manufacturing4$7M27.3%0.02%565th of 2,246
Construction2$2M9.0%0.01%859th of 2,063
Professional & technical services3$2M7.8%0.01%721st of 1,955
Other services3$1M5.1%0.00%1052nd of 2,248
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and First Resource Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans FR First Resource Bank 0.2% $19M · 15 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
First Resource BankRankCohort median
Total CRE against capital, the 300% screen454%12th of 12159%
Construction against capital, the 100% screen135%12th of 1219%
Construction and land development, share of loans14.2%12th of 123.1%
Non-owner-occupied nonfarm nonresidential, share of loans18.9%8th of 1215.2%
Total CRE, the guidance definition, share of loans47.7%10th of 1230.4%
CRE growth over 36 months, the third prong+67.1%11th of 12+27.6%

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
Harleysville Bank$964M1.5%49.6%0.14%0.02%0.7%99.1%9.9%
Atlantic Community Bankers Bank$942M1.3%73.1%0.53%-0.02%1.6%104.0%16.2%
First Northern Bank & Trust Co.$921M1.4%59.3%1.16%-0.14%1.6%75.2%14.8%
Juniata Valley Bank$918M1.2%60.2%0.05%0.00%1.2%79.0%6.7%
First Resource Bank$841M1.4%53.2%0.12%0.00%0.8%96.9%8.3%
Cfsbank$773M0.2%90.4%0.24%0.01%0.5%77.4%9.8%
Asian Bank$686M1.3%47.4%1.22%0.05%1.1%117.2%18.5%
Infirst Bank$683M1.0%65.3%0.10%0.00%1.2%98.4%9.2%
PS Bank$675M1.9%49.5%0.10%0.01%1.2%75.1%10.4%
New Tripoli Bank$674M1.1%57.7%0.89%0.00%1.1%87.4%7.9%
Pennian Bank$668M0.4%88.8%1.09%0.01%1.2%77.3%7.4%
Reliance Savings Bank$649M0.3%88.8%0.26%0.01%0.9%98.3%12.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Resource BankCohort median
20212026Change20212026Change
Loans$381M$727M+91%$395M$554M+40%
Deposits$394M$750M+90%$471M$607M+29%
NPA / loans0.04%0.12%+0.08 pts0.45%0.25%-0.20 pts
Efficiency63.0%53.2%-9.8 pts66.3%59.8%-6.5 pts
ROA0.87%1.37%+0.50 pts0.84%1.21%+0.37 pts

This read was prepared for First Resource Bank'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 Resource Bank 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 $300M to $1B
Institution www.firstresourcebank.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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