The catalogue › United States › Mid-Atlantic › Pennsylvania
The state note · prepared 3 November 2026

Pennsylvania

110 banks and 269 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

110 banks filing · read from the 30 June 2026 Call Report
110
banks filing
$343B in assets
+5.0%
Loans, year over year
median; 27 above 10%, 16 shrinking
24.4%
CRE / loans
median
86.4%
Loans / deposits
median
0.60%
NPA / loans
median
10.7%
Equity / assets
median

Pennsylvania's 110 banks hold $343B in assets at 30 June 2026. First National Bank of Pennsylvania is the largest at $50.8B, and the five largest hold 48% of the total; 45 institutions are above $1B, holding $316B.

Loans grew a median +5.0% in the year to 30 June 2026: 27 institutions grew faster than 10% and 16 shrank. The median bank lends 86% of its deposits and holds commercial real estate at 24.4% of loans. Nonperforming loans sit at a median 0.60% of the book, return on assets at 0.95%, and equity at 10.7% of assets.

24 of the 110 are in the catalogue, each read from its own filing beside the banks its size in the state: First National Bank of Pennsylvania, Fulton Bank National Association, BNY Mellon National Association, Customers Bank, Northwest Bank, Dollar Bank FSB, First Commonwealth Bank, S & Trust Bank, CNB Bank, Univest Bank & Trust Co., Mid Penn Bank, Fidelity Deposit & Discount Bank, Nextier Bank National Association, Wayne Bank, Meridian Bank, Somerset Trust Co., Ephrata National Bank, QNB Bank, Farmers & Merchants Trust Chamber, Harleysville Bank, Atlantic Community Bankers Bank, First Northern Bank & Trust Co., Juniata Valley Bank, First Resource Bank.

Who holds the state's assetseach institution's share of the $343B the state's 110 hold; the largest first, amber in the catalogue
First National Bank of Pennsylvania: 14.8%FN15%Fulton Bank National Association: 9.5%FB10%BNY Mellon National Association: 8.9%BM9%Customers Bank: 7.7%CB8%Tristate Capital Bank: 7.1%TCNorthwest Bank: 5.0%NBDollar Bank FSB: 3.7%DBFirst Commonwealth Bank: 3.6%FCS & Trust Bank: 2.9%CNB Bank: 2.5%100 others 34%FNFirst National Bank o…14.8%FBFulton Bank National …9.5%BMBNY Mellon National A…8.9%CBCustomers Bank7.7%TCTristate Capital Bank7.1%NBNorthwest Bank5.0%DBDollar Bank FSB3.7%FCFirst Commonwealth Ba…3.6%STS & Trust Bank2.9%CBCNB Bank2.5%

First National Bank of Pennsylvania holds 14.8% of the state's bank assets; the five largest hold 48%, and 45 of the 110 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestFirst National Bank of Pe…: 15% of the totalThe five largest48% of the totalThe ten largest66% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 48% of the assets in 5% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end27.5%$69.0BNonfarm nonresidential, non-owner-occupied15.8%$39.6BOther loans and leases13.5%$33.9BCommercial & industrial12.7%$31.7BNonfarm nonresidential, owner-occupied9.0%$22.7BMultifamily6.0%$15.1BConstruction & land4.6%$11.6BHome equity lines3.6%$9.1BAuto2.3%$5.7BFarmland1.6%$4.1BConsumer, other1.6%$4.1BStates & municipalities1.4%$3.4BAgricultural production0.2%$498MCredit card0.1%$172M

1-4 family residential, closed-end is the largest category at 27.5% of the state's $251B in loans, then Nonfarm nonresidential, non-owner-occupied at 15.8% and Other loans and leases at 13.5%.

Loans, year over yearPennsylvania banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 109 · amber, in the catalogue
state median +5.0% CP Central Penn Bank & Trust +97.7% QB QNB Bank +40.8% CB CNB Bank +37.8% SS Sewickley Savings Bank +32.8% WB Wayne Bank +26.9% HB Hometown Bank of Pennsylvania +24.7% TC Tristate Capital Bank +23.5% CN Citizens & Northern Bank +22.4% HB Hyperion Bank +18.1% TN Turbotville National Bank +17.1% CB Customers Bank +16.9% AB Asian Bank +16.9% HT Haverford Trust Co. +16.8% NB Northwest Bank +16.6% MP Mid Penn Bank +16.4% FR First Resource Bank +16.3% MS Milton Savings Bank +16.0% Bo Bank of Bird-in-hand +15.5% KB Kish Bank +14.4% JV Juniata Valley Bank +14.4% EN Ephrata National Bank +14.2% FD Fidelity Deposit & Discount Bank +13.7% sS 1st Summit Bank +12.7% ES Elderton State Bank +12.2% DB Dime Bank +11.4%

Central Penn Bank & Trust grew fastest at +97.7%; 27 grew faster than 10% and 16 shrank, Philadelphia Trust Co. the most at -19.0%. The median is +5.0%.

Commercial real estate, share of loansPennsylvania banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 109 · amber, in the catalogue
state median 24.4% AC Atlantic Community Bankers Bank 72.8% AB Asian Bank 63.3% AB American Bank 59.4% FM Farmers & Merchants Trust Chamber 51.8% BB Brentwood Bank 51.7% QB QNB Bank 48.2% FR First Resource Bank 47.7% AF Ameriserv Financial Bank 47.5% EB Enterprise Bank 47.4% ST S & Trust Bank 44.9% KB Kish Bank 44.6% SB Sharon Bank 43.9% MP Mid Penn Bank 43.8% NB Nextier Bank National Association 43.3% OB Orrstown Bank 43.1% PC Penn Community Bank 43.0% CB Community Bank 43.0% HB Hyperion Bank 43.0% FN First Northern Bank & Trust Co. 41.5% JT Jim Thorpe Neighborhood Bank 41.2% HB Harleysville Bank 40.1% PS Peoples Security Bank & Trust Co. 39.2% FC First Citizens Community Bank 38.6% WF Washington Financial Bank 37.8% CN Citizens & Northern Bank 37.7%

Atlantic Community Bankers Bank is the most CRE-weighted at 72.8% of loans; 21 of the 110 are above 40%, against a median of 24.4%.

Commercial real estate against capital, the 300% screenPennsylvania banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 110 · amber, in the catalogue
state median 147% 300% screen TS Tioga-franklin Savings Bank 822% FR First Resource Bank 454% AB American Bank 434% KB Kish Bank 406% BB Brentwood Bank 398% EB Enterprise Bank 394% FM Farmers & Merchants Trust Chamber 367% SB Sharon Bank 361% AF Ameriserv Financial Bank 349% HB Hyperion Bank 348% QB QNB Bank 332% MP Mid Penn Bank 328% FC First Citizens Community Bank 320% NB Nextier Bank National Association 315% ST S & Trust Bank 309% MB Meridian Bank 307% OB Orrstown Bank 300% PS Peoples Security Bank & Trust Co. 290% CB Community Bank 288% HB Harleysville Bank 284% JV Juniata Valley Bank 282% CB CNB Bank 269% JB Jonestown Bank & Trust Jonestown … 268% UB Univest Bank & Trust Co. 264% AC Atlantic Community Bankers Bank 262%

16 of the 110 banks sit above the 300% screen, Tioga-franklin Savings Bank the highest at 822% of capital; the median is 147%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenPennsylvania banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 110 · amber, in the catalogue
state median 19% 100% screen HB Hyperion Bank 248% MB Meridian Bank 139% FR First Resource Bank 135% FM Farmers & Merchants Trust Chamber 120% EB Enterprise Bank 111% JV Juniata Valley Bank 89% KB Kish Bank 83% FS Firstrust Savings Bank 78% TS Tioga-franklin Savings Bank 66% QB QNB Bank 57% PS Peoples Security Bank & Trust Co. 56% MP Mid Penn Bank 56% AB American Bank 53% SB SSB Bank 53% ST Somerset Trust Co. 53% CB CNB Bank 52% DB Dime Bank 52% NB Nextier Bank National Association 51% FN First National Bank of Pennsylvan… 50% WF Washington Financial Bank 50% WB Wayne Bank 46% CN Citizens & Northern Bank 46% QO Quaint Oak Bank 45% PC Penn Community Bank 44% ST S & Trust Bank 43%

5 of the 110 banks sit above the 100% construction screen, Hyperion Bank the highest at 248%; the median is 19%.

Loans to depositsPennsylvania banks, 30 June 2026 · listed highest first · the 25 highest of 110 · amber, in the catalogue
state median 86% SF Second Federal Savings & Loan Ass… 153% PR Port Richmond Savings 145% AT Apollo Trust Co. 122% KB Kish Bank 117% AB Asian Bank 117% ES Elderton State Bank 109% HF Hatboro Federal Savings Fa 109% GS Greenville Savings Bank 108% PT Philadelphia Trust Co. 108% BB Brentwood Bank 107% HB Hyperion Bank 107% CS Compass Savings Bank 104% AC Atlantic Community Bankers Bank 104% HS Huntingdon Savings Bank 104% Bo Bank of Bird-in-hand 103% QO Quaint Oak Bank 102% MB Meridian Bank 101% HT Haverford Trust Co. 101% UB Univest Bank & Trust Co. 100% FC First Citizens Community Bank 100% ST S & Trust Bank 99% HB Harleysville Bank 99% DB Dollar Bank FSB 99% JB Jonestown Bank & Trust Jonestown … 99% AB American Bank 99%

20 of the 110 lend more than they hold in deposits, Second Federal Savings & Loan Association of Philadelphia the furthest at 153%; the median is 86%.

Nonperforming loans, share of loansPennsylvania banks, 30 June 2026 · listed highest first · the 25 highest of 109 · amber, in the catalogue
state median 0.60% UB United Bank of Philadelphia 11.33% TS Tioga-franklin Savings Bank 9.23% EB Enterprise Bank 6.18% MB Meridian Bank 3.68% HS Huntingdon Savings Bank 3.58% AF Altoona First Savings Bank 2.87% SS Sewickley Savings Bank 2.73% WB Woodlands Bank 2.68% MC Mercer County State Bank 2.42% FK First Keystone Community Bank 2.11% SS Slovenian S & Loan Association of… 1.99% QO Quaint Oak Bank 1.73% FC First Citizens Community Bank 1.70% CN Citizens & Northern Bank 1.70% SB SSB Bank 1.64% Bo Bank of Landisburg 1.61% FB Farmers BLDG & Savings Bank 1.57% ST Somerset Trust Co. 1.49% NB Nextier Bank National Association 1.49% WF Westmoreland Federal Savings & Lo… 1.37% HB Hyperion Bank 1.33% DB Dime Bank 1.30% MC Mauch Chunk Trust Co. 1.27% PF Phoenixville Federal Bank & Trust 1.25% AB Asian Bank 1.22%

United Bank of Philadelphia carries the most nonperforming loans at 11.33% of the book; 33 of the 110 are above 1%, and the median is 0.60%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.20%0.40%0.60%0.80%1.00%1.20%1.40%1.60%1.80%NPA / loansAllowance / loansPTPhiladelphia Trust Co.+1.91%HNHonesdale National Bank+1.57%NBNational Bank of Malvern+1.49%JBJonestown Bank & Trust Jonestown …+1.19%JVJuniata Valley Bank+1.15%SFSecond Federal Savings & Loan Ass…+1.14%PBPS Bank+1.11%ACAtlantic Community Bankers Bank+1.08%MSMilton Savings Bank+1.08%JTJim Thorpe Neighborhood Bank+1.05%IBInfirst Bank+1.05%FDFidelity Deposit & Discount Bank+0.94%ABAmerican Bank+0.93%EBEmbassy Bank Lehigh Valley+0.89%NNNeffs National Bank+0.86%FNFirst National Bank of Pennsylvan…+0.85%MBMCS Bank+0.84%SBSharon Bank+0.82%FSFirstrust Savings Bank+0.80%USUnited Savings Bank+0.76%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 36 of the 110 hold an allowance smaller than their nonperforming loans.

Return on assetsPennsylvania banks, 30 June 2026 · listed highest first · the 25 highest of 110 · amber, in the catalogue
state median 0.95% SP Sei Private Trust Co. 50.05% PT Philadelphia Trust Co. 14.29% HT Haverford Trust Co. 8.64% HB Hamlin Bank & Trust Co. 3.02% PR Port Richmond Savings 2.40% TN Turbotville National Bank 2.13% PB PS Bank 1.94% NB National Bank of Malvern 1.80% AB Acnb Bank 1.78% FS Firstrust Savings Bank 1.76% Bo Bank of Landisburg 1.71% OB Orrstown Bank 1.69% JB Journey Bank 1.69% DB Dime Bank 1.68% ES Elderton State Bank 1.65% CP Central Penn Bank & Trust 1.59% HB Harleysville Bank 1.49% ST S & Trust Bank 1.48% HN Honesdale National Bank 1.48% FC First Citizens Community Bank 1.43% FN First Northern Bank & Trust Co. 1.42% FC First Commonwealth Bank 1.40% JB Jonestown Bank & Trust Jonestown … 1.40% NB Nextier Bank National Association 1.38% FR First Resource Bank 1.37%

Sei Private Trust Co. earns the most at 50.05% and Tioga-franklin Savings Bank the least at -3.37%; 21 of the 110 earn under 0.50%, and the median is 0.95%.

The efficiency ratio, with the return beside itPennsylvania banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 110 · amber, in the catalogue
state median 64.3% SS Slovenian S & Loan Association of… 35.7% ROA 0.87% TN Turbotville National Bank 36.3% ROA 2.13% PR Port Richmond Savings 44.2% ROA 2.40% ES Elderton State Bank 44.3% ROA 1.65% Bo Bank of Landisburg 46.1% ROA 1.71% AB American Bank 46.6% ROA 1.29% AB Asian Bank 47.4% ROA 1.34% TC Tristate Capital Bank 47.8% ROA 0.72% CB Customers Bank 48.9% ROA 1.16% NB National Bank of Malvern 49.0% ROA 1.80% PB PS Bank 49.5% ROA 1.94% HB Harleysville Bank 49.6% ROA 1.49% NB Nextier Bank National Association 50.9% ROA 1.38% JB Journey Bank 51.7% ROA 1.69% HN Honesdale National Bank 52.2% ROA 1.48% Bo Bank of Bird-in-hand 52.6% ROA 1.15% AB Acnb Bank 52.7% ROA 1.78% DB Dime Bank 53.1% ROA 1.68% FR First Resource Bank 53.2% ROA 1.37% HB Hometown Bank of Pennsylvania 53.2% ROA 1.35% FN First National Bank of Pennsylvan… 53.2% ROA 1.20% FC First Citizens Community Bank 53.5% ROA 1.43% FC First Commonwealth Bank 53.6% ROA 1.40% WV West View Savings Bank 54.6% ROA 0.66% FS Firstrust Savings Bank 54.8% ROA 1.76%

Slovenian S & Loan Association of Canonsburg runs the leanest at 35.7% of revenue in cost; 22 of the 110 spend more than 80 cents of every revenue dollar, and the median is 64.3%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
First National Bank of Pennsylvania$50.8B+3.1%24.2%92%0.38%1.20%13.4%
Fulton Bank National Association$32.6B+1.5%26.8%89%0.71%1.29%11.0%
BNY Mellon National Association$30.6B-1.2%4.2%71%0.06%0.88%11.6%
Customers Bank$26.5B+16.9%25.3%82%0.33%1.16%8.8%
Tristate Capital Bank$24.3B+23.5%16.8%87%0.30%0.72%7.0%
Northwest Bank$17.2B+16.6%14.8%92%0.69%1.32%11.6%
Dollar Bank FSB$12.7B+5.8%25.0%99%0.72%0.61%10.3%
First Commonwealth Bank$12.2B-1.1%29.7%92%0.89%1.40%12.5%
S & Trust Bank$9.9B+1.6%44.9%99%0.50%1.48%13.8%
CNB Bank$8.4B+37.8%37.5%91%0.84%1.35%10.9%
Univest Bank & Trust Co.$8.2B+3.5%32.3%100%0.62%1.30%11.3%
Mid Penn Bank$7.0B+16.4%43.8%94%0.51%1.19%12.4%
Firstrust Savings Bank$5.6B+5.3%36.9%97%0.79%1.76%10.7%
Orrstown Bank$5.6B+4.6%43.1%89%0.60%1.69%11.1%
Peoples Security Bank & Trust Co.$5.4B+7.6%39.2%95%0.33%1.25%11.3%
Five years, 2021 to 2026the 110 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$179B$251B+40%
Deposits, in total$214B$284B+32%
NPA / loans, median0.53%0.60%+0.07 pts
Efficiency, median65.7%64.3%-1.4 pts
ROA, median0.90%0.95%+0.06 pts

Small-business lending

SBA 7(a) approvals into Pennsylvania since FY2008, across every lender type

$12.8B of 7(a) credit has been approved into Pennsylvania since FY2008 across 34,538 loans. Accommodation & food services is the largest category at 19.5%, Manufacturing at 12.4%, Retail trade at 11.5%; the three together are 43% of the money. The heaviest losses fall in Administrative & waste services, at 2.81% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 374 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
TH The Huntington National Bank 5.9% $757M · 3,746 loans WS Wilmington Savings Fund Society F… 5.2% $672M · 979 loans LO Live Oak Banking Company 5.1% $657M · 542 loans FB Fulton Bank, National Association 4.3% $549M · 646 loans BB Beacon Bank and Trust 4.3% $548M · 586 loans FC First Commonwealth Bank 4.0% $509M · 995 loans Ma Manufacturers and Traders Trust C… 3.6% $459M · 3,899 loans MB Meridian Bank 2.9% $374M · 417 loans TB TD Bank, National Association 2.7% $352M · 2,640 loans FN First National Bank of Pennsylvan… 2.5% $320M · 870 loans PB PNC Bank, National Association 2.5% $320M · 1,537 loans TB Truist Bank 2.2% $287M · 586 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services20.4%$2.5B · 5,002 loansManufacturing13.0%$1.6B · 2,855 loansRetail trade12.0%$1.5B · 4,368 loansHealth care & social assistance10.4%$1.3B · 3,042 loansProfessional & technical services8.8%$1.1B · 3,203 loansOther services8.7%$1.1B · 3,436 loansConstruction8.2%$1.0B · 4,078 loansWholesale trade5.1%$628M · 1,386 loansArts, entertainment & recreation4.3%$523M · 1,152 loansAdministrative & waste services3.9%$481M · 1,905 loansTransportation & warehousing2.9%$348M · 1,735 loansReal estate & leasing2.1%$258M · 619 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$2.5B5,00219.5%$56M2.24%
Manufacturing$1.6B2,85512.4%$31M1.94%
Retail trade$1.5B4,36811.5%$38M2.61%
Health care & social assistance$1.3B3,04210.0%$18M1.39%
Professional & technical services$1.1B3,2038.4%$18M1.72%
Other services$1.1B3,4368.3%$20M1.87%
Construction$1.0B4,0787.8%$21M2.10%
Wholesale trade$628M1,3864.9%$13M2.15%
Arts, entertainment & recreation$523M1,1524.1%$8M1.47%
Administrative & waste services$481M1,9053.8%$14M2.81%
Transportation & warehousing$348M1,7352.7%$9M2.60%
Real estate & leasing$258M6192.0%$5M1.80%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Montgomery$1.4B3,427160
Allegheny$1.3B4,150141
Philadelphia$1.3B3,687148
Bucks$1.2B2,675142
Chester$835M1,811121
Delaware$752M1,772122
Lancaster$557M1,299105
Berks$498M1,25590
York$374M1,17782
Lehigh$351M95287

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Pennsylvania institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 3 November 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Pennsylvania

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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