Safest Banks in Pennsylvania 2026
Pennsylvania has 119 FDIC-insured banks with an average Bank Health Score of 70/100 (B). The safest bank is Sei Private Trust Co with a score of 100/100.
Data from FDIC Q2 2024
119 Pennsylvania banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Pennsylvania's 119 FDIC-insured banks hold a combined $315.5B in assets. Their average Bank Health Score of 70/100 sits 0.0 points in line with the national average of 70/100. Across the state, 63% of banks earn an A or B grade for financial health, while 12% fall to a D or F.
The largest bank headquartered in Pennsylvania is First Nb of Pennsylvania with $47.6B in assets and a Bank Health Score of 72/100. The strongest by score is Sei Private Trust Co in Oaks (100/100, Tier 1 capital 349.87%). The weakest is Meridian Bank at 29/100, dragged down by an NPL ratio of 1.84%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Pennsylvania
Sei Private Trust Co
Oaks, PA
Pennsylvania's top-rated bank, with a Tier 1 capital ratio of 349.87% — well above the federal "well-capitalized" threshold of 8%. Holds $236M in assets.
Atlantic Cmty Bankers Bank
Camp Hill, PA
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $915M in total assets.
Sewickley Savings Bank
Sewickley, PA
Third in the rankings on the Bank Health Score. Liquidity ratio of 75.33% and ROA of 0.97%.
Top 20 of 119 Banks in Pennsylvania
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Sei Private Trust Co | Oaks | A | 100 | 349.87% | 0.00% |
| 2 | Atlantic Cmty Bankers Bank | Camp Hill | A | 97 | 20.42% | 0.00% |
| 3 | Sewickley Savings Bank | Sewickley | A | 96 | 59.08% | 0.00% |
| 4 | Jim Thorpe Neighborhood Bank | Jim Thorpe | A | 95 | 18.90% | 0.00% |
| 5 | First Nb&T Co of Newtown | Newtown | A | 95 | 26.77% | 0.55% |
| 6 | West View Savings Bank | Pittsburgh | A | 94 | 29.40% | 0.00% |
| 7 | Commercial Bank&Trust of Pa | Latrobe | A | 93 | 24.13% | 0.05% |
| 8 | County Savings Bank | Essington | A | 93 | 19.07% | 0.00% |
| 9 | Penn Community Bank | Doylestown | A | 93 | 17.29% | 0.06% |
| 10 | Customers Bank | Malvern | A | 92 | 14.17% | 0.49% |
| 11 | Acnb Bank | Gettysburg | A | 92 | 15.42% | 0.19% |
| 12 | Cfsbank | Charleroi | A | 91 | 22.20% | 0.16% |
| 13 | Tristate Capital Bank | Pittsburgh | A | 91 | 16.48% | 0.26% |
| 14 | Milton Savings Bank | Milton | A | 90 | 48.02% | 0.00% |
| 15 | First Fs&la of Greene Co | Waynesburg | A | 90 | 33.46% | 0.58% |
| 16 | Northumberland National Bank | Northumberland | A | 89 | 15.41% | 0.61% |
| 17 | Second Fs&la of Philadelphia | Philadelphia | A | 88 | 25.77% | 0.00% |
| 18 | Hometown Bank of Pa | Bedford | A | 88 | 12.69% | 0.01% |
| 19 | Ephrata National Bank | Ephrata | A | 88 | 13.52% | 0.32% |
| 20 | Farmers&Merchants Tr Chamber | Chambersburg | A | 88 | 12.27% | 0.07% |
Bank Health Scores for Pennsylvania are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Sei Private Trust Co in Oaks is currently the safest bank in Pennsylvania with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 349.87% and a nonperforming loan ratio of 0.00%.
Pennsylvania has 119 FDIC-insured banks with a combined $315.5B in total assets. The average Bank Health Score across the state is 70/100 (Grade B).
Pennsylvania's average Bank Health Score of 70/100 is 0.0 points in line with the national average of 70/100. 63% of banks in Pennsylvania earn an A or B grade, compared with the national average grade of B.
Of 119 FDIC-insured banks headquartered in Pennsylvania, 40 earn an A, 35 a B, 30 a C, 13 a D, and 1 an F. The most common grade is B.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).