Infirst Bank
Indiana, Pennsylvania · FDIC Cert #27763
Infirst Bank is an FDIC-insured bank (Certificate #27763) with $579M in total assets and $520M in total deposits as of the Q2 2024 Call Report. Headquartered in Indiana, Pennsylvania, the bank maintains a Tier 1 capital ratio of 13.99% (Well-Capitalized) and a nonperforming loan ratio of 0.31%. BankHealthData assigns a composite Health Grade of B (68/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Infirst Bank (FDIC cert 27763) is a community bank — $579M in total assets, $520M in deposits, serving the Indiana, Pennsylvania area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.99% 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 clean: non-performing loan ratio of 0.31% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 8.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.62% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Infirst Bank carries a composite BankHealth grade of B (68/100) 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: Infirst Bank
- Total Assets
- $579M
- Total Deposits
- $520M
- Tier 1 Capital Ratio
- 13.99%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.31%
- Liquidity Ratio
- 8.61%
- Return on Assets
- 0.62%
- Headquarters
- Indiana, Pennsylvania
- FDIC Certificate
- #27763
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Infirst Bank holds a Tier 1 capital ratio of 13.99%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Infirst Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Infirst Bank shows strong financial health indicators. With $579M in assets and a Health Score of 68/100, 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 Infirst Bank Compares
Infirst Bank’s Health Score of 68 is 2 points below the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 13.99% Tier 1 capital ratio is 0.0 points below the US banking industry average near 14%. The 0.31% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.62% is below the national ROA benchmark of ~1.1%. Among 1395 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Infirst Bank is 2 points below the portfolio average of 70.
Frequently Asked Questions
Infirst Bank has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.99%, 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. Infirst Bank's Tier 1 capital ratio of 13.99% and nonperforming loan ratio of 0.31% 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 Infirst Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #27763). 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.
Infirst Bank holds $579M in total assets and $520M in total deposits. It is headquartered in Indiana, Pennsylvania (FDIC Certificate #27763).
Infirst Bank has a Tier 1 capital ratio of 13.99%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.31%, and the return on assets is 0.62%.
Yes. Infirst Bank is FDIC-insured (Certificate #27763). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Infirst Bank'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.