TellerScore

Headquartered in Kittanning, Pennsylvania, Nextier Bank, National Association is a national bank with $2.9B in total assets and $2.5B in deposits as of Q2 2026. It operates 34 offices across 2 states. Its charter dates back to 1897.

Based on its Q2 2026 filing, Nextier Bank, National Association scores 54/100, which we describe as below average. That is higher than only 12% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 92nd. Its strongest component is problem-loan coverage (80/100; 9.8%), and its lowest is funding & liquidity (34/100; 86% loans-to-deposits, 51% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Tier 1 leverage ratio: 9.64%
Loan quality50/100
Noncurrent loans ÷ total loans: 1.49%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity34/100
Loans ÷ deposits and uninsured-deposit share: 85.9% · 50.9% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.84%

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 3 points (57 → 54), mostly because the loan quality component weakened by 14 points.

TellerScore
525557Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202453
Q4 202454
Q1 202556
Q2 202557
Q3 202555
Q4 202555
Q1 202652
Q2 202654
Tier 1 leverage ratio
5.00%7.32%9.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.28%
Q3 20248.59%
Q4 20248.33%
Q1 20258.61%
Q2 20259.05%
Q3 20259.20%
Q4 20258.77%
Q1 20269.29%
Q2 20269.64%
Noncurrent loans
0.62%1.09%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.62%
Q3 20241.06%
Q4 20240.94%
Q1 20250.99%
Q2 20251.07%
Q3 20251.34%
Q4 20251.25%
Q1 20261.55%
Q2 20261.49%
Return on assets
0.64%1.03%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.92%
Q4 20241.01%
Q1 20251.22%
Q2 20251.32%
Q3 20251.38%
Q4 20251.41%
Q1 20261.27%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$2.9B9.64%1.49%1.38%85.9%
Q1 202652$2.9B9.29%1.55%1.27%87.6%
Q4 202555$2.9B8.77%1.25%1.41%85.1%
Q3 202555$2.9B9.20%1.34%1.38%85.3%
Q2 202557$2.8B9.05%1.07%1.32%87.7%
Q1 202556$2.8B8.61%0.99%1.22%84.7%
Q4 202454$2.9B8.33%0.94%1.01%82.6%
Q3 202453$2.8B8.59%1.06%0.92%85.7%
Q2 202453$2.7B8.28%0.62%0.64%92.7%

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 ratio9.64%
27th
Total risk-based capital13.27%
45th
Problem loans1.49%
16th
Net charge-offs-0.00%
85th
Return on assets1.38%
62nd
Net interest margin3.69%
50th
Efficiency ratio49.2%
78th
Loans to deposits85.9%
53rd
Uninsured deposits50.9%
9th
Loan-loss reserves1.07%
40th
Texas ratio9.8%
18th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Wayne BankBank Honesdale, PA53 out of 100, Below average$2.9B8.8%1.21%vs
The Fidelity Deposit and Discount BankBank Dunmore, PA68 out of 100, Moderate$3.0B9.5%0.08%vs
Penn Community BankBank Doylestown, PA69 out of 100, Moderate$3.1B12.7%0.56%vs
Citizens & Northern BankBank Wellsboro, PA53 out of 100, Below average$3.1B10.0%1.70%vs
First Citizens Community BankBank Mansfield, PA52 out of 100, Below average$3.2B9.6%1.70%vs
Meridian BankBank Wayne, PA34 out of 100, Low$2.6B9.7%3.68%vs

Deposit insurance

Is my money safe at Nextier Bank, National Association?

Yes. Nextier Bank, National Association is an FDIC-insured institution (FDIC certificate #7900). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 50.9% of deposits ($1.3B) 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 9.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.27% (benchmark: 10%).

Check how much of your own balance is covered

34 locations

Branches

Nextier Bank, National Association lists 32 offices in 25 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Nextier Bank, National Association reported 433 home-loan applications under HMDA (LEI 549300TFEH2N4OKL5136): 329 originated ($161,595,000 total), 45 denied, and 49 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.7%, 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
Nextier Bank, National Association
Former names
The Merchants National Bank of Kittanning; Farmers and Merchants Bank of Western Pennsylvania, National Association
Type
National bank
FDIC certificate #
7900
RSSD ID
18827
Primary regulator
OCC
Holding company
Nextier Inc
Established
January 1, 1897
Headquarters
222 Market St, Kittanning, PA 16201
Employees
313

Quick answers

Nextier Bank, National Association: common questions

Is Nextier Bank, National Association FDIC insured?

Yes. Nextier Bank, National Association is an FDIC-insured institution (FDIC certificate #7900). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Nextier Bank, National Association's TellerScore?

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

Has Nextier Bank, National Association ever failed?

There is no failure record for FDIC certificate #7900 in the FDIC failed bank list.

How many branches does Nextier Bank, National Association have?

34 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Kittanning

InstitutionScoreAssetsCapitalProblem loansCompare
Moonlight Federal Credit UnionCredit union Worthington, PA94 out of 100, Very strong$53.6M17.9%0.06%vs
Cheswick Atomic Division Federal Credit UnionCredit union Harwick, PA89 out of 100, Very strong$4.8M33.9%0.09%vs
Allegheny Valley Federal Credit UnionCredit union Pittsburgh, PA85 out of 100, Very strong$10.8M31.3%0.12%vs
Armstrong Co. Federal Emp. Federal Credit UnionCredit union Kittanning, PA84 out of 100, Strong$17.6M15.4%0.64%vs
Ppg & Associates Federal Credit UnionCredit union Creighton, PA82 out of 100, Strong$19.6M16.7%0.42%vs
Avh Federal Credit UnionCredit union Natrona Heights, PA80 out of 100, Strong$4.4M37.7%0.85%vs