First National Bank of Pennsylvania
Greenville, Pennsylvania, Mercer County
$50.8B in total assets, the 53rd largest of 4,309 US banks and 1st of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7888
- Established
- 1864
- Owned by
- F N B Corp
- Primary regulator
- OCC
- Website
- www.fnb-online.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $50.8B | 85% | $22.4B | |
| Loans | $36.0B | 86% | $14.4B | |
| Deposits | $39.1B | 85% | $18.0B | |
| Return on assets | 1.31% | 52% | 1.29% | |
| Net interest margin | 3.32% | 34% | 3.62% | |
| Efficiency ratio | 52.5% | 40% | 55.2% | |
| Equity to assets | 13.39% | 80% | 11.57% | |
| Loans to deposits | 92% | 72% | 87% |
Growth
Total assets grew 5.7% a year over the last 5 years and 9.2% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2022 | Union Bank Greenville, NC | $1.1B |
| Feb 2022 | Howard Bank Baltimore, MD | $2.5B |
| Mar 2017 | Yadkin Bank Statesville, NC | $7.2B |
| Feb 2016 | Metro Bank Lemoyne, PA | $2.9B |
| Sep 2014 | OBA Bank Germantown, MD | $402M |
| Feb 2014 | Baltimore County Savings Bank Nottingham, MD | $604M |
| Oct 2013 | Park View Federal Savings Bank Solon, OH | $761M |
| Apr 2013 | BankAnnapolis Annapolis, MD | $439M |
| Jan 2012 | Parkvale Savings Bank Monroeville, PA | $1.8B |
| Jan 2011 | Community Bank & Trust Company Clarks Summit, PA | $619M |
| Aug 2008 | Iron and Glass Bank Pittsburgh, PA | $305M |
| Apr 2008 | Omega Bank Huntingdon, PA | $1.8B |
| Apr 2008 | Peoples National Bank of Central Pennsylvania State College, PA | n/a |
| May 2006 | The Legacy Bank Harrisburg, PA | $371M |
| Oct 2005 | The National Bank of North East North East, PA | $67M |
| Feb 2005 | NorthSide Bank Pittsburgh, PA | $505M |
| Oct 2004 | The First National Bank of Slippery Rock Slippery Rock, PA | $332M |
| Dec 2003 | (unknown, CERT 35177) , PA | $6M |
| Nov 2002 | Metropolitan National Bank Youngstown, OH, an affiliate under the same holding company | $330M |
| Feb 2002 | Promistar Bank Johnstown, PA | $2.3B |
| Mar 2001 | Reeves Bank Beaver Falls, PA | $171M |
| May 1996 | Dollar Savings Bank New Castle, PA | $86M |
Where they operate
358 branches in 107 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Allegheny County, PA | $7.2B | 4.1% | 4 of 31 |
| Dauphin County, PA | $1.5B | 18.9% | 1 of 19 |
| Erie County, PA | $1.4B | 18.8% | 2 of 11 |
| Westmoreland County, PA | $1.3B | 12.3% | 4 of 21 |
| Baltimore County, MD | $1.2B | 4.6% | 7 of 25 |
| Mercer County, PA | $1.2B | 41.5% | 1 of 9 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 74 branches since 2016 (284 to 358, +26.1%). 54 opened, 146 acquired, 126 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 284 | |||
| 2016 | Acquired Metro BankOpened 17 in 2 states, closed 10 in 2 states | 49 | 10 | +39 | 323 |
| 2017 | Acquired Yadkin BankOpened 4 in 3 states, closed 8 in 2 states | 101 | 8 | +93 | 416 |
| 2018 | Closed 21 in 4 states | 0 | 21 | −21 | 395 |
| 2019 | Opened Akron and CharlestonClosed 25 in 4 states | 2 | 25 | −23 | 372 |
| 2020 | Opened 5 in 4 statesClosed 16 in 5 states | 5 | 16 | −11 | 361 |
| 2021 | Opened 3 in 2 statesClosed 27 in 4 states | 3 | 27 | −24 | 337 |
| 2022 | Acquired Union Bank and Howard BankOpened 3 in 2 states, closed 6 in 3 states | 20 | 6 | +14 | 351 |
| 2023 | Opened 4 in 4 statesClosed 6 in 4 states | 4 | 6 | −2 | 349 |
| 2024 | Opened 7 in 3 statesClosed 4 in 3 states | 7 | 4 | +3 | 352 |
| 2025 | Opened 7 in 4 statesClosed Gibsonia | 7 | 1 | +6 | 358 |
| 2026 through Q2 | Opened Charleston and SummervilleClosed Bedford and Pittsburgh | 2 | 2 | 0 | 358 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 39% | 21% | |
| Commercial real estate | 24% | 25% | |
| Business (C&I) | 20% | 17% | |
| Construction and land | 7% | 6% | |
| Consumer | 3% | 10% | |
| Multifamily | 2% | 8% | |
| Other | 5% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 55% | 62% | |
| Noninterest-bearing | 27% | 20% | |
| Time deposits | 19% | 18% |
Brokered deposits are 3.6% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.31% | 0.63% |
| Net charge-offs, annualized | 0.19% | 0.14% |
| Reserves to loans | 1.23% | 1.14% |
| Leverage ratio | 9.43% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Allegheny County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/first-pennsylvania