# FIRST NATIONAL TRUST CO
HERMITAGE, PA · FDIC certificate 57793 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $54.1M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $45.4M | |
| Loans / deposits | 0.00% (p2 of band) | 73.59% |
| Liquid assets / assets | 49.81% (p78 of band) | |
| Uninsured deposits / deposits | – | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 90.66% (p98 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.05% (p87 of band) | |
| ROA (annualized) | 47.14% (p100 of band) | 1.17% |
| Net interest margin | 0.80% (p1 of band) | 3.93% |
| Efficiency ratio | 63.95% (p45 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 202 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | assets shrinking |  |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | assets shrinking |  |
| 2016-12 | 1 |  | assets shrinking |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | capital falling | NIM <2.5% |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | NIM <2.5% | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | assets shrinking |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | assets shrinking |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-30 [F.N.B. hires former Zions exec for key wealth post - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxPVGdkdXotMVZjYTFfWWRfaHc0YVRSMVprM0puZFFIUGhOUEgtSldralpmN2lmOXVGYlVyQm9mYjFEVEtwWmstU2RXc290UWViTldaNzlTajhSSGI3bDlfT0YxVDFxZm82WHBtNkRZWUZtem9jZUpjSUlYUjAySWMwT0h5aFZ1dw?oc=5) · The Business Journals
- 2024-07-08 [Archie Wallace Obituary Sep 28, 2021 - loutzenhiserfuneralhomes.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE9ibEFuSzdITUwyaS1oOGhYZXR4aU1yOXFHczFmNUpRSk1HVng3RUMyODVTUlFYeU1LWFZaVlZzWnUyLV82WG1TWERpMWRjLWppOHBXaVBYY1RtcGlQbUY3OURRMWxNNGRXM3dZR2VUUFhYbGhf?oc=5) · loutzenhiserfuneralhomes.com
- 2022-03-01 [First National Bank to leave Atkins Mansion - Pottsville Republican Herald](https://news.google.com/rss/articles/CBMikgFBVV95cUxNcU8tU3dWWTl4aUdjMWNheWl0NTAwQk5ySDR6SG4yMzdWNjVobldfZml6U00xY0VEbG5xRlRhLTJLOGROMXJfdUlWdWtacDBKV0VoUy1TSjlHS0pXWjJfbWdvSG9TblQxZW9LQnF5UWFybEZabDIyRU54VHg0RWVjSEdnaHV0X3BveUhYcENCZTRUQQ?oc=5) · Pottsville Republican Herald
- 2025-05-16 [F.N.B. hires former Huntington National Bank executive - Pittsburgh Business Times - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxPejZ6YjZkTHU1VGtKWHNTZXF5TGRFUE95c3FuQnlVelB5Zi1zOG5yYmYyMlVpanRiVjlxamNNMXFKZXZlLVFJM0RFdzYwa2ZsR3lDbWpDSnljLVB4aFhJU2h1NHZhQ1VuLXYwb3RzbWtSbjJxbnNkT2xrOEVPU1pjazlZMUJkeGhzUC1wSm9FbTJTeWxCeGJz?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57793 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "57793", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide