TellerScore

InFirst Bank (FDIC certificate #27763) is based in Indiana, Pennsylvania. Its Q2 2026 call report shows $683.2M in total assets and $612.7M in deposits and 11 offices.

InFirst Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 49th. Problem-loan coverage contributes the most (98/100, 1.0%); capital cushion contributes the least (45/100, 9.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.49%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 97.3% · 14.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.96%

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 4 points (65 → 69), mostly because the earnings component improved by 11 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202462
Q4 202463
Q1 202563
Q2 202565
Q3 202564
Q4 202566
Q1 202667
Q2 202669
Tier 1 leverage ratio
5.00%7.25%9.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.42%
Q3 20249.36%
Q4 20249.31%
Q1 20259.19%
Q2 20259.18%
Q3 20259.06%
Q4 20259.17%
Q1 20269.32%
Q2 20269.49%
Noncurrent loans
0.10%0.22%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.31%
Q3 20240.30%
Q4 20240.25%
Q1 20250.27%
Q2 20250.24%
Q3 20250.34%
Q4 20250.15%
Q1 20260.15%
Q2 20260.10%
Return on assets
0.45%0.73%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.49%
Q4 20240.55%
Q1 20250.57%
Q2 20250.75%
Q3 20250.79%
Q4 20250.83%
Q1 20260.86%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$683.2M9.49%0.10%1.02%97.3%
Q1 202667$673.0M9.32%0.15%0.86%97.1%
Q4 202566$664.1M9.17%0.15%0.83%96.7%
Q3 202564$665.5M9.06%0.34%0.79%95.5%
Q2 202565$641.3M9.18%0.24%0.75%97.2%
Q1 202563$621.4M9.19%0.27%0.57%98.1%
Q4 202463$605.0M9.31%0.25%0.55%97.7%
Q3 202462$589.1M9.36%0.30%0.49%98.1%
Q2 202462$578.6M9.42%0.31%0.45%96.7%

2,650 peers · $100 million – $1 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 ratio9.49%
21st
Total risk-based capital15.17%
69th
Problem loans0.10%
73rd
Net charge-offs-0.00%
79th
Return on assets1.02%
35th
Net interest margin3.97%
52nd
Efficiency ratio65.3%
41st
Loans to deposits97.3%
13th
Uninsured deposits14.6%
83rd
Loan-loss reserves1.15%
45th
Texas ratio1.0%
70th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Asian BankBank Philadelphia, PA72 out of 100, Strong$685.9M19.1%1.22%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs
New Tripoli BankBank New Tripoli, PA66 out of 100, Moderate$674.0M10.6%0.89%vs
Pennian BankBank Mifflintown, PA55 out of 100, Moderate$667.9M9.2%1.09%vs
Reliance Savings BankBank Altoona, PA67 out of 100, Moderate$648.9M12.2%0.26%vs
Phoenixville Federal Bank and TrustBank Phoenixville, PA67 out of 100, Moderate$648.0M12.6%1.25%vs

Deposit insurance

Is my money safe at InFirst Bank?

Yes. InFirst Bank is an FDIC-insured institution (FDIC certificate #27763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.6% of deposits ($89.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.17% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

InFirst Bank lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, InFirst Bank reported 618 home-loan applications under HMDA (LEI 549300YAGLRHLP0JP559): 480 originated ($76,610,000 total), 75 denied, and 51 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.2%, 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
InFirst Bank
Former names
Indiana First Savings Bank; First Federal Savings and Loan Association
Type
SI
FDIC certificate #
27763
RSSD ID
904171
Primary regulator
FDIC
Holding company
Infirst Bcorp Mhc
Established
January 1, 1922
Headquarters
935 Philadelphia St, Indiana, PA 15701
Employees
116

Quick answers

InFirst Bank: common questions

Is InFirst Bank FDIC insured?

Yes. InFirst Bank is an FDIC-insured institution (FDIC certificate #27763). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is InFirst Bank's TellerScore?

69 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 InFirst Bank ever failed?

There is no failure record for FDIC certificate #27763 in the FDIC failed bank list.

How many branches does InFirst Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Armstrong Co. Federal Emp. Federal Credit UnionCredit union Kittanning, PA84 out of 100, Strong$17.6M15.4%0.64%vs
Franklin Johnstown Federal Credit UnionCredit union Johnstown, PA79 out of 100, Strong$37.3M13.7%0.42%vs
Ussco Johnstown Federal Credit UnionCredit union Johnstown, PA78 out of 100, Strong$173.7M12.5%0.37%vs
PennCrest BankBank Altoona, PA76 out of 100, Strong$247.1M13.5%0.50%vs
Healthcare First Credit UnionCredit union Johnstown, PA76 out of 100, Strong$100.6M13.5%1.27%vs