TellerScore

First National Bank and Trust Company of Newtown (FDIC certificate #7658) is based in Newtown, Pennsylvania. Its Q2 2026 call report shows $1.2B in total assets and $1.0B in deposits and 14 offices.

Based on its Q2 2026 filing, First National Bank and Trust Company of Newtown scores 87/100, which we describe as very strong. That is higher than 98% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 7th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (74/100; 1.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Tier 1 leverage ratio: 12.95%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 50.4% · 23.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (84 → 87), mostly because the earnings component improved by 10 points.

TellerScore
808488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202480
Q4 202485
Q1 202584
Q2 202584
Q3 202585
Q4 202586
Q1 202688
Q2 202687
Tier 1 leverage ratio
5.00%9.01%13.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.00%
Q3 202412.11%
Q4 202412.11%
Q1 202512.23%
Q2 202512.27%
Q3 202512.45%
Q4 202512.76%
Q1 202613.02%
Q2 202612.95%
Noncurrent loans
0.00%0.27%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.55%
Q3 20240.52%
Q4 20240.01%
Q1 20250.02%
Q2 20250.01%
Q3 20250.01%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.11%1.24%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.19%
Q4 20241.23%
Q1 20251.19%
Q2 20251.11%
Q3 20251.16%
Q4 20251.16%
Q1 20261.36%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$1.2B12.95%0.00%1.35%50.4%
Q1 202688$1.2B13.02%0.00%1.36%51.9%
Q4 202586$1.1B12.76%0.00%1.16%52.4%
Q3 202585$1.1B12.45%0.01%1.16%52.2%
Q2 202584$1.1B12.27%0.01%1.11%48.3%
Q1 202584$1.1B12.23%0.02%1.19%48.3%
Q4 202485$1.1B12.11%0.01%1.23%48.4%
Q3 202480$1.1B12.11%0.52%1.19%47.3%
Q2 202480$1.1B12.00%0.55%1.35%44.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.95%
85th
Total risk-based capital28.26%
97th
Problem loans0.00%
98th
Net charge-offs0.00%
82nd
Return on assets1.35%
59th
Net interest margin3.43%
33rd
Efficiency ratio57.7%
55th
Loans to deposits50.4%
96th
Uninsured deposits23.5%
74th
Loan-loss reserves0.73%
11th
Texas ratio0.0%
98th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
The Dime BankBank Honesdale, PA70 out of 100, Strong$1.2B11.7%1.30%vs
American BankBank Allentown, PA72 out of 100, Strong$1.1B10.6%0.00%vs
Central Penn Bank & TrustBank Mifflinburg, PA67 out of 100, Moderate$1.3B9.0%0.80%vs
Brentwood BankBank Bethel Park, PA53 out of 100, Below average$1.0B9.8%0.75%vs
First Federal Savings and Loan Association of Greene CoBank Waynesburg, PA78 out of 100, Strong$1.0B15.4%0.54%vs

Deposit insurance

Is my money safe at First National Bank and Trust Company of Newtown?

Yes. First National Bank and Trust Company of Newtown is an FDIC-insured institution (FDIC certificate #7658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.5% of deposits ($238.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 28.26% (benchmark: 10%).

Check how much of your own balance is covered

14 locations

Branches

First National Bank and Trust Company of Newtown lists 13 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First National Bank and Trust Company of Newtown reported 122 home-loan applications under HMDA (LEI 549300QQ8FVN501MZL94): 88 originated ($50,880,000 total), 17 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First National Bank and Trust Company of Newtown
Former names
The First National Bank and Trust Company of Newtown
Type
National bank
FDIC certificate #
7658
RSSD ID
1007417
Primary regulator
OCC
Holding company
Fnb Bcorp Inc
Established
February 25, 1864
Headquarters
40 S State St, Newtown, PA 18940
Employees
122

Quick answers

First National Bank and Trust Company of Newtown: common questions

Is First National Bank and Trust Company of Newtown FDIC insured?

Yes. First National Bank and Trust Company of Newtown is an FDIC-insured institution (FDIC certificate #7658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First National Bank and Trust Company of Newtown's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First National Bank and Trust Company of Newtown ever failed?

There is no failure record for FDIC certificate #7658 in the FDIC failed bank list.

How many branches does First National Bank and Trust Company of Newtown have?

14 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Newtown

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
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Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ93 out of 100, Very strong$63.9M19.6%0.31%vs
The Philadelphia Trust CompanyBank Philadelphia, PA93 out of 100, Very strong$27.7M71.8%0.00%vs
Holy Trinity Baptist Federal Credit UnionCredit union Philadelphia, PA93 out of 100, Very strong$30K30.3%0.00%vs