# FIRST NB OF PENNSYLVANIA
GREENVILLE, PA · FDIC certificate 7888 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $50.80B | |
| Deposits | $39.07B | |
| Loans and leases | $36.01B | |
| Total equity | $6.88B | |
| Loans / deposits | 91.03% (p72 of band) | 85.78% |
| Liquid assets / assets | 20.44% (p41 of band) | |
| Uninsured deposits / deposits | 40.17% (p55 of band) | 38.39% |
| Brokered deposits | 2.80% | |
| Wholesale funding | 10.18% (p63 of band) | |
| FHLB advances / assets | 6.10% | |
| Tier 1 leverage | 9.43% (p30 of band) | 10.17% |
| Unrealized securities loss / equity | -4.25% (p70 of band) | -7.43% |
| AOCI / equity | -0.57% (p36 of band) | |
| ROA (annualized) | 1.19% (p44 of band) | 1.24% |
| Net interest margin | 3.32% (p38 of band) | 3.57% |
| Efficiency ratio | 52.54% (p43 of band) | |
| Noncurrent loans | 0.38% (p20 of band) | 0.66% |
| Net charge-offs (annualized) | 0.13% (p65 of band) | |
| Reserve coverage of noncurrent | 322.80% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 38.66% (p61 of band) | |
| Auto loans | $907.2M (2.52% of loans; DQ 1.26%, NCO 0.01%) | |
| Loans to nondepository financials | $580.2M (8% of equity) (p52 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 4173 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 2 | wholesale funding >15%, expense ratio p90 |  |
| 2017-06 | 2 | reserve under noncurrent | expense ratio p90 |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 2 |  | reserve under noncurrent |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | wholesale funding >15% |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-02-25 [‘Difficult decision’: These 18 business locations across Pa. are closing - PennLive.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbDM3blllR2tibHdkZExnWk1IV2tMWTRocUVlSWdyNGEwSFFObk1WSGhkME9aVDdsWUJqQWh0cVBrLThvUDdGb2F1WWdVM01RZThNSWxib2dVel85YjBicFhhWWhMbGR1UjRwdW9sX0l4OE9iS3l3bkdCY0dNblJOVzZUcUlOS0VQelQxVG0wc0dSM0NoVkpFRTc3TW5ZX3VDWmxJRnBseDZCdVhlc3E5LWhFQjJJQQ?oc=5) · PennLive.com
- 2025-04-02 [Muchas están cerca de ti: estas son todas las sucursales de bancos que han cerrado en lo que va del 2025 | MIX - Gestión](https://news.google.com/rss/articles/CBMigAJBVV95cUxOMWhvYUtfZjhQYllDWk0waUdVcmIzYW9VYUYxUTZoeFBuWS1KWllRdjFOMFJhenhDcE9TNWRIdGJnYlVjWXd3N1VRelp1NDJMMGFiZm8wZ3dMQXFJaXlKb2FuVUVxT0ttWDlrMGtCWl9FbXMwLVV3TVFHWm9fZkdQV2E2bmxiTUtPN0RxVnh6WS1hZ1pXalRxSVRQYnoxSG5RWHItNjNnZl94V2ZEQldNQXRVbWJFekYtRC1UTkhzRGZ1T0dKWi1LUzdXVm1TcEhuNURkOGRVMzR5dlBzUHhOZ2dYYnVZU3BvN05zTXdIUVRBN0dZZmFNQTF6YU1RYVlh?oc=5) · Gestión
- 2025-04-03 [Bank of America, Wells Fargo y todos los bancos del país cerraron más de 300 sucursales en todos los estados: la lista completa - El Cronista](https://news.google.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?oc=5) · El Cronista

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7888 (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/16.json (key "7888", 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.

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