First Nb&T Co of Newtown
Newtown, Pennsylvania · FDIC Cert #7658
First Nb&T Co of Newtown is an FDIC-insured bank (Certificate #7658) with $1.1B in total assets and $995M in total deposits as of the Q2 2024 Call Report. Headquartered in Newtown, Pennsylvania, the bank maintains a Tier 1 capital ratio of 26.77% (Well-Capitalized) and a nonperforming loan ratio of 0.55%. BankHealthData assigns a composite Health Grade of A (95/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb&T Co of Newtown (FDIC cert 7658) is a mid-sized bank with $1.1B in total assets and $995M in deposits, based in Newtown, Pennsylvania. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 26.77% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.55% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is very high: 55.0% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 1.63% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. First Nb&T Co of Newtown carries a composite BankHealth grade of A (95/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb&T Co of Newtown
- Total Assets
- $1.1B
- Total Deposits
- $995M
- Tier 1 Capital Ratio
- 26.77%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.55%
- Liquidity Ratio
- 55.05%
- Return on Assets
- 1.63%
- Headquarters
- Newtown, Pennsylvania
- FDIC Certificate
- #7658
- Health Grade
- A (95/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb&T Co of Newtown holds a Tier 1 capital ratio of 26.77%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb&T Co of Newtown has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb&T Co of Newtown shows strong financial health indicators. With $1.1B in assets and a Health Score of 95/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb&T Co of Newtown Compares
First Nb&T Co of Newtown’s Health Score of 95 is 25 points above the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 26.77% Tier 1 capital ratio is 12.8 points above the US banking industry average near 14%. The 0.55% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.63% is in line with or above the national ROA benchmark of ~1.1%. Among 949 similarly-sized banks, the average Health Score is 71, meaning this bank ranks above its size cohort. Site-wide, First Nb&T Co of Newtown is 25 points above the portfolio average of 70.
Frequently Asked Questions
First Nb&T Co of Newtown has a Bank Health Score of A (95/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 26.77%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb&T Co of Newtown's Tier 1 capital ratio of 26.77% and nonperforming loan ratio of 0.55% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb&T Co of Newtown is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #7658). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb&T Co of Newtown holds $1.1B in total assets and $995M in total deposits. It is headquartered in Newtown, Pennsylvania (FDIC Certificate #7658).
First Nb&T Co of Newtown has a Tier 1 capital ratio of 26.77%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.55%, and the return on assets is 1.63%.
Yes. First Nb&T Co of Newtown is FDIC-insured (Certificate #7658). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb&T Co of Newtown's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.