TellerScore

Headquartered in Conshohocken, Pennsylvania, Firstrust Savings Bank is a si with $5.6B in total assets and $4.8B in deposits as of Q2 2026. It operates 18 offices across 3 states. Its charter dates back to 1934.

Firstrust Savings Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 49% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 50th. Problem-loan coverage contributes the most (89/100, 5.6%); funding & liquidity contributes the least (26/100, 96% loans-to-deposits, 50% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.44%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.79%
Earnings88/100
Return on assets (annualized): 1.71%
Funding & liquidity26/100
Loans ÷ deposits and uninsured-deposit share: 95.7% · 49.7% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.57%

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 fell 5 points (73 → 68), mostly because the earnings component weakened by 12 points.

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202571
Q2 202573
Q3 202573
Q4 202569
Q1 202668
Q2 202668
Tier 1 leverage ratio
5.00%8.41%11.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.43%
Q3 202411.45%
Q4 202411.41%
Q1 202511.33%
Q2 202511.83%
Q3 202511.60%
Q4 202511.06%
Q1 202611.31%
Q2 202611.44%
Noncurrent loans
0.56%0.68%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.61%
Q3 20240.56%
Q4 20240.57%
Q1 20250.73%
Q2 20250.76%
Q3 20250.57%
Q4 20250.75%
Q1 20260.74%
Q2 20260.79%
Return on assets
1.53%1.81%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.67%
Q3 20241.71%
Q4 20241.67%
Q1 20252.05%
Q2 20251.99%
Q3 20252.08%
Q4 20251.90%
Q1 20261.53%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$5.6B11.44%0.79%1.71%95.7%
Q1 202668$5.6B11.31%0.74%1.53%92.1%
Q4 202569$5.7B11.06%0.75%1.90%97.8%
Q3 202573$5.8B11.60%0.57%2.08%102.6%
Q2 202573$5.2B11.83%0.76%1.99%105.4%
Q1 202571$5.3B11.33%0.73%2.05%106.5%
Q4 202470$5.4B11.41%0.57%1.67%105.7%
Q3 202470$5.2B11.45%0.56%1.71%106.9%
Q2 202470$5.1B11.43%0.61%1.67%107.2%

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 ratio11.44%
68th
Total risk-based capital13.06%
42nd
Problem loans0.79%
35th
Net charge-offs0.42%
10th
Return on assets1.71%
79th
Net interest margin4.12%
75th
Efficiency ratio54.8%
63rd
Loans to deposits95.7%
24th
Uninsured deposits49.7%
10th
Loan-loss reserves1.59%
89th
Texas ratio5.6%
34th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Orrstown BankBank Harrisburg, PA70 out of 100, Strong$5.6B10.0%0.60%vs
Peoples Security Bank and Trust CompanyBank Dunmore, PA69 out of 100, Moderate$5.4B10.5%0.33%vs
Mid Penn BankBank Millersburg, PA69 out of 100, Moderate$7.0B10.4%0.51%vs
ACNB BankBank Gettysburg, PA77 out of 100, Strong$3.3B11.2%0.40%vs
First Citizens Community BankBank Mansfield, PA52 out of 100, Below average$3.2B9.6%1.70%vs
Citizens & Northern BankBank Wellsboro, PA53 out of 100, Below average$3.1B10.0%1.70%vs

Deposit insurance

Is my money safe at Firstrust Savings Bank?

Yes. Firstrust Savings Bank is an FDIC-insured institution (FDIC certificate #26647). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 49.7% of deposits ($2.4B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.06% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

Firstrust Savings Bank lists 18 offices in 14 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Firstrust Savings Bank reported 1,214 home-loan applications under HMDA (LEI R7JQ9JTCFHXBQU4XIT26): 764 originated ($225,440,000 total), 306 denied, and 113 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.8%, 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
Firstrust Savings Bank
Former names
First Financial Mutual Savings Bank; First Federal Savings and Loan Association of Philadelphia
Type
SI
FDIC certificate #
26647
RSSD ID
932978
Primary regulator
FDIC
Established
January 1, 1934
Headquarters
15 E Ridge Pike, Conshohocken, PA 19428
Employees
572

Quick answers

Firstrust Savings Bank: common questions

Is Firstrust Savings Bank FDIC insured?

Yes. Firstrust Savings Bank is an FDIC-insured institution (FDIC certificate #26647). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Firstrust Savings Bank's TellerScore?

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

Has Firstrust Savings Bank ever failed?

There is no failure record for FDIC certificate #26647 in the FDIC failed bank list.

How many branches does Firstrust Savings Bank have?

18 offices as of the latest FDIC data, in 3 states.

Nearby

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