Updated June 2026 · FDIC Call Report Q2 2024

A-Rated Banks in Pennsylvania

62 banks · Average score: 89/100 · Combined assets $117.0B

62 banks in this state currently hold A grades, averaging a composite score of 89/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 27.33% and an NPL ratio of 0.41%, sourced from the most recent FDIC quarterly Call Report.

62 Pennsylvania banks earn an A grade on the BankHealth composite, with an average score of 89/100. A-grade banks combine strong Tier 1 capital, clean loan books, comfortable liquidity, and solid ROA.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Pennsylvania A-grade banks by health score with links to each bank's full profile.

A B C DF

What "A" Means in Practice

A-graded banks in Pennsylvania are the strongest tier — institutions with composite Bank Health Scores of 80 or higher across capital, loan quality, liquidity, and profitability. Currently 62 banks chartered in Pennsylvania qualify. A grades typically reflect well-above-regulatory capital cushions (often 12%+ Tier 1), sub-1% nonperforming loans, and ample liquidity buffers. Many A-graded banks are conservatively run community institutions or specialty banks with focused, lower-risk loan portfolios.

For depositors: A-graded institutions face less probability of regulatory action than peers, all else equal. That said, FDIC insurance — not the bank's grade — protects deposits up to $250,000 per depositor, per insured bank, per ownership category. The grade describes regulatory cushion; insurance describes guaranteed protection.

Tier-Wide Snapshot in Pennsylvania

Banks in this grade tier	62
Combined assets	$117.0B
Average composite score	89/100
Average Tier 1 capital ratio	27.33%
Average NPL ratio	0.41%

All A-Graded Banks in Pennsylvania

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Haverford Trust Co	Radnor	100	$174M	20.60%	0.00%	45.77%
2	Philadelphia Trust Co	Philadelphia	100	$25M	70.06%	0.00%	55.38%
3	Glenmede Trust Co NA	Philadelphia	100	$180M	44.52%	0.00%	34.03%
4	Sei Private Trust Co	Oaks	100	$236M	349.87%	0.00%	75.46%
5	Vanguard National Tr Co NA	Malvern	100	$144M	57.57%	0.00%	74.79%
6	First National Trust Co	Hermitage	100	$46M	84.63%	0.00%	49.60%
7	Atlantic Cmty Bankers Bank	Camp Hill	97	$915M	20.42%	0.00%	35.02%
8	United Savings Bank	Philadelphia	96	$444M	16.37%	0.06%	55.95%
9	Sewickley Savings Bank	Sewickley	96	$281M	59.08%	0.00%	75.33%
10	Jim Thorpe Neighborhood Bank	Jim Thorpe	95	$241M	18.90%	0.00%	43.19%
11	First Nb&T Co of Newtown	Newtown	95	$1.1B	26.77%	0.55%	55.05%
12	West View Savings Bank	Pittsburgh	94	$358M	29.40%	0.00%	74.98%
13	Commercial Bank&Trust of Pa	Latrobe	93	$385M	24.13%	0.05%	42.40%
14	County Savings Bank	Essington	93	$103M	19.07%	0.00%	47.75%
15	Investment Savings Bank	Altoona	93	$106M	21.62%	0.00%	45.75%
16	Penn Community Bank	Doylestown	93	$3.0B	17.29%	0.06%	29.53%
17	National Bank of Malvern	Malvern	93	$199M	15.15%	0.28%	26.48%
18	Neffs National Bank	Neffs	93	$457M	16.48%	0.05%	46.11%
19	Customers Bank	Malvern	92	$21.0B	14.17%	0.49%	31.12%
20	Acnb Bank	Gettysburg	92	$2.4B	15.42%	0.19%	23.36%
21	Cfsbank	Charleroi	91	$670M	22.20%	0.16%	31.23%
22	Tristate Capital Bank	Pittsburgh	91	$19.7B	16.48%	0.26%	26.25%
23	First Northern Bank&Trust Co	Palmerton	91	$893M	14.13%	0.72%	33.77%
24	Altoona First Savings Bank	Altoona	90	$305M	13.38%	0.29%	34.43%
25	Milton Savings Bank	Milton	90	$76M	48.02%	0.00%	37.38%
26	First Fs&la of Greene Co	Waynesburg	90	$1.0B	33.46%	0.58%	31.61%
27	Slovenian S&la of Canonsburg	Strabane	89	$590M	15.81%	1.41%	57.64%
28	Northumberland National Bank	Northumberland	89	$686M	15.41%	0.61%	31.15%
29	Bank of Landisburg	Landisburg	89	$384M	16.35%	0.95%	27.71%
30	William Penn Bank	Levittown	88	$816M	16.10%	0.70%	32.18%
31	Second Fs&la of Philadelphia	Philadelphia	88	$39M	25.77%	0.00%	21.94%
32	Westmoreland Fs&La	Latrobe	88	$166M	26.35%	1.03%	56.04%
33	Hometown Bank of Pa	Bedford	88	$418M	12.69%	0.01%	41.91%
34	Ephrata National Bank	Ephrata	88	$2.0B	13.52%	0.32%	27.33%
35	Farmers&Merchants Tr Chamber	Chambersburg	88	$2.0B	12.27%	0.07%	31.20%
36	1st Summit Bank	Johnstown	88	$1.4B	15.16%	0.60%	38.81%
37	Hamlin Bank&Trust Co	Smethport	87	$420M	21.26%	1.02%	31.04%
38	Mauch Chunk Trust Co	Jim Thorpe	87	$663M	14.42%	0.89%	41.92%
39	Ambler Savings Bank	Ambler	87	$497M	22.02%	0.75%	28.07%
40	First United National Bank	Fryburg	87	$346M	15.82%	0.92%	40.46%
41	Bny Mellon National Assn	Pittsburgh	87	$30.9B	13.31%	0.07%	25.26%
42	Asian Bank	Philadelphia	86	$510M	29.99%	0.09%	19.59%
43	Ps Bank	Wyalusing	86	$554M	11.14%	0.11%	29.33%
44	First Keystone Cmty Bank	Berwick	86	$1.4B	15.07%	0.53%	29.64%
45	Juniata Valley Bank	Mifflintown	86	$862M	11.58%	0.08%	31.65%
46	Fidelity Deposit&Discount Bk	Dunmore	85	$2.5B	13.43%	0.40%	25.22%
47	Fleetwood Bank	Fleetwood	85	$388M	13.41%	0.58%	38.44%
48	Washington Financial Bank	Washington	85	$1.6B	12.81%	0.05%	25.91%
49	Honesdale National Bank	Honesdale	85	$978M	14.06%	0.23%	21.08%
50	Penncrest Bank	Altoona	84	$224M	13.99%	0.79%	28.24%
51	Marquette Savings Bank	Erie	84	$1.2B	15.34%	0.58%	25.52%
52	Armstrong County Bldg&La	Ford City	83	$93M	30.36%	1.21%	38.14%
53	Reliance Savings Bank	Altoona	83	$639M	15.66%	0.97%	26.07%
54	Embassy Bk Lehigh Valley	Bethlehem	83	$1.7B	13.42%	0.06%	22.95%
55	Journey Bank	Bloomsburg	83	$1.6B	14.06%	0.67%	22.28%
56	Qnb Bank	Quakertown	83	$1.7B	11.06%	0.18%	30.06%
57	Harleysville Bank	Harleysville	82	$864M	14.31%	0.24%	17.74%
58	Mercer County State Bank	Sandy Lake	82	$583M	13.50%	1.34%	27.91%
59	Turbotville National Bank	Turbotville	82	$194M	17.57%	1.65%	22.31%
60	Hatboro Federal Savings Fa	Hatboro	81	$572M	43.17%	0.52%	20.19%
61	Somerset Trust Co	Somerset	80	$2.3B	11.02%	1.02%	30.13%
62	Pennian Bank	Mifflintown	80	$708M	13.75%	1.18%	27.98%

For Depositors at A-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a A grade mean for a bank?

How many A-graded banks are in Pennsylvania?

What does this tier look like financially?

Across 62 A-graded banks in Pennsylvania, the average Tier 1 capital ratio is 27.33% and the average nonperforming-loan ratio is 0.41%. Combined assets in this cohort total $117.0B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at A-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Pennsylvania →All grade A banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-06-29 · 62 A-graded banks in Pennsylvania. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.