Updated June 2026 · FDIC Call Report Q2 2024

B-Rated Banks in Pennsylvania

39 banks · Average score: 72/100 · Combined assets $176.2B

39 banks in this state currently hold B grades, averaging a composite score of 72/100. 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 14.14% and an NPL ratio of 0.54%, sourced from the most recent FDIC quarterly Call Report.

39 Pennsylvania banks hold a B grade (72/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

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 B-grade banks by health score with links to each bank's full profile.

A B C DF

What "B" Means in Practice

B-graded banks in Pennsylvania are healthy mid-tier institutions — composite scores of 65–79. Currently 39 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in Pennsylvania

Banks in this grade tier	39
Combined assets	$176.2B
Average composite score	72/100
Average Tier 1 capital ratio	14.14%
Average NPL ratio	0.54%

All B-Graded Banks in Pennsylvania

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Orrstown Bank	Shippensburg	79	$3.2B	11.96%	0.36%	20.68%
2	Peoplesbank Codorus Valley	York	78	$2.2B	14.68%	0.51%	16.97%
3	Iron Workers Savings Bank	Aston	78	$213M	14.10%	0.00%	19.02%
4	Fncb Bank	Dunmore	78	$1.8B	12.49%	0.75%	24.88%
5	Susquehanna Community Bank	West Milton	78	$591M	10.56%	0.38%	29.37%
6	Dollar Bank FSB	Pittsburgh	77	$11.5B	16.33%	0.66%	16.74%
7	Farmers Bldg&Svg Bank	Rochester	77	$114M	48.92%	2.48%	48.55%
8	Mifflinburg Bank&Trust Co	Mifflinburg	76	$566M	10.15%	0.13%	23.40%
9	Wayne Bank	Honesdale	76	$2.2B	11.87%	0.47%	20.88%
10	Citizens&Northern Bank	Wellsboro	76	$2.6B	13.65%	1.03%	18.97%
11	S&T Bank	Indiana	75	$9.6B	13.60%	0.45%	12.67%
12	Firstrust Savings Bank	Conshohocken	75	$5.1B	12.66%	0.61%	16.34%
13	Essa Bank&Trust	Stroudsburg	74	$2.2B	12.96%	0.54%	17.36%
14	Greenville Savings Bank	Greenville	74	$330M	12.63%	0.24%	18.28%
15	Slovenian S&la Franklin-Cone	Conemaugh	74	$175M	10.54%	0.76%	33.27%
16	Cnb Bank	Clearfield	73	$5.9B	12.51%	0.77%	17.83%
17	Port Richmond Savings	Philadelphia	73	$97M	20.64%	0.68%	6.78%
18	Apollo Trust Co	Apollo	73	$201M	16.49%	0.10%	7.24%
19	Unb Bank	Mount Carmel	73	$164M	9.37%	0.14%	26.76%
20	Presence Bank	Coatesville	72	$445M	12.71%	0.37%	16.14%
21	Peoples Security B&T Co	Scranton	72	$3.6B	13.09%	0.25%	14.29%
22	First Nb of Pennsylvania	Greenville	72	$47.6B	10.15%	0.34%	19.24%
23	Huntingdon Savings Bank	Huntingdon	71	$17M	48.16%	0.58%	11.28%
24	Fulton Bank National Assn	Lancaster	71	$31.6B	11.60%	0.73%	17.63%
25	First Commonwealth Bank	Indiana	70	$11.6B	11.39%	0.65%	14.77%
26	Northwest Bank	Warren	69	$14.4B	13.13%	0.92%	14.50%
27	Hyperion Bank	Philadelphia	69	$420M	13.26%	0.57%	11.61%
28	Infirst Bank	Indiana	68	$579M	13.99%	0.31%	8.61%
29	Brentwood Bank	Bethel Park	68	$1.0B	10.08%	0.11%	20.09%
30	Woodlands Bank	Williamsport	68	$614M	10.27%	0.56%	20.58%
31	Marion Center Bank	Indiana	68	$417M	10.41%	0.98%	23.87%
32	Mcs Bank	Milroy	67	$205M	11.41%	0.19%	12.80%
33	Traditions Bank	York	67	$859M	11.65%	0.63%	14.21%
34	Mid Penn Bank	Millersburg	67	$5.4B	10.66%	0.23%	13.12%
35	Phoenixville Federal B&T	Phoenixville	66	$662M	11.07%	0.80%	16.72%
36	First Citizens Cmty Bank	Mansfield	66	$2.9B	10.87%	0.67%	15.11%
37	New Tripoli Bank	New Tripoli	66	$636M	10.28%	0.53%	17.96%
38	Nextier Bank National Assn	Kittanning	66	$2.7B	11.09%	0.62%	15.02%
39	Kish Bank	Belleville	65	$1.6B	9.90%	0.05%	12.35%

For Depositors at B-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 B grade mean for a bank?

How many B-graded banks are in Pennsylvania?

What does this tier look like financially?

Across 39 B-graded banks in Pennsylvania, the average Tier 1 capital ratio is 14.14% and the average nonperforming-loan ratio is 0.54%. Combined assets in this cohort total $176.2B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-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 B 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 · 39 B-graded banks in Pennsylvania. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.