Safest Banks in Pennsylvania 2026
Pennsylvania has 119 FDIC-insured banks with an average Bank Health Score of 79/100 (B). The safest bank is Haverford 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 79/100 sits 1.0 points in line with the national average of 80/100. Across the state, 85% of banks earn an A or B grade for financial health, while 2% 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 Haverford Trust Co in Radnor (100/100, Tier 1 capital 20.60%). The weakest is Tioga-Franklin Savings Bank at 39/100, dragged down by an NPL ratio of 10.24%.
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
Haverford Trust Co
Radnor, PA
Pennsylvania's top-rated bank, with a Tier 1 capital ratio of 20.60% — well above the federal "well-capitalized" threshold of 8%. Holds $174M in assets.
Philadelphia Trust Co
Philadelphia, PA
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $25M in total assets.
Glenmede Trust Co NA
Philadelphia, PA
Third in the rankings on the Bank Health Score. Liquidity ratio of 34.03% and ROA of 15.31%.
Top 20 of 119 Banks in Pennsylvania
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Haverford Trust Co | Radnor | A | 100 | 20.60% | 0.00% |
| 2 | Philadelphia Trust Co | Philadelphia | A | 100 | 70.06% | 0.00% |
| 3 | Glenmede Trust Co NA | Philadelphia | A | 100 | 44.52% | 0.00% |
| 4 | Sei Private Trust Co | Oaks | A | 100 | 349.87% | 0.00% |
| 5 | Vanguard National Tr Co NA | Malvern | A | 100 | 57.57% | 0.00% |
| 6 | First National Trust Co | Hermitage | A | 100 | 84.63% | 0.00% |
| 7 | Atlantic Cmty Bankers Bank | Camp Hill | A | 97 | 20.42% | 0.00% |
| 8 | United Savings Bank | Philadelphia | A | 96 | 16.37% | 0.06% |
| 9 | Sewickley Savings Bank | Sewickley | A | 96 | 59.08% | 0.00% |
| 10 | Jim Thorpe Neighborhood Bank | Jim Thorpe | A | 95 | 18.90% | 0.00% |
| 11 | First Nb&T Co of Newtown | Newtown | A | 95 | 26.77% | 0.55% |
| 12 | West View Savings Bank | Pittsburgh | A | 94 | 29.40% | 0.00% |
| 13 | Commercial Bank&Trust of Pa | Latrobe | A | 93 | 24.13% | 0.05% |
| 14 | County Savings Bank | Essington | A | 93 | 19.07% | 0.00% |
| 15 | Investment Savings Bank | Altoona | A | 93 | 21.62% | 0.00% |
| 16 | Penn Community Bank | Doylestown | A | 93 | 17.29% | 0.06% |
| 17 | National Bank of Malvern | Malvern | A | 93 | 15.15% | 0.28% |
| 18 | Neffs National Bank | Neffs | A | 93 | 16.48% | 0.05% |
| 19 | Customers Bank | Malvern | A | 92 | 14.17% | 0.49% |
| 20 | Acnb Bank | Gettysburg | A | 92 | 15.42% | 0.19% |
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, Haverford Trust Co in Radnor is currently the safest bank in Pennsylvania with a score of 100/100 (Grade A). It posts a Tier 1 capital ratio of 20.60% 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 79/100 (Grade B).
Pennsylvania's average Bank Health Score of 79/100 is 1.0 points in line with the national average of 80/100. 85% of banks in Pennsylvania earn an A or B grade, compared with the national average grade of A.
Of 119 FDIC-insured banks headquartered in Pennsylvania, 62 earn an A, 39 a B, 16 a C, 2 a D, and 0 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%).