Is Northumberland National Bank Safe?
Northumberland National Bank has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (29/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.41% | 100/100 |
| Nonperforming Loan Ratio | 0.61% | 88/100 |
| Liquidity Ratio | 31.15% | 100/100 |
| Return on Assets | 0.23% | 29/100 |
| Total Assets | $0.7B | |
How does Northumberland National Bank compare?
With a Bank Health Score of 89/100, Northumberland National Bank sits 19.0 points above the national average of 70/100 for FDIC-insured banks. Within Pennsylvania, where 119 FDIC-insured banks are headquartered, Northumberland National Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 15.41% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.61% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Northumberland National Bank's Bank Health Score fell by 2.0 points to 89/100. Tier 1 capital weakened by 1.20 percentage points to 15.41%. Quarter-over-quarter, the score fell by 1.0 points.
Northumberland National Bank has a Bank Health Score of 89/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (29/100).