First Nb Of Pennsylvania: Bank Stress & Real-Estate Credit Exposure

DLRadar scores First Nb Of Pennsylvania (FDIC Cert #7888) at 55/100 for bank stress — a moderate level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The DLRadar bank-stress score is a composite, not a single ratio: it weighs First Nb Of Pennsylvania's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The combination of a moderate reading and a broad footprint is what makes First Nb Of Pennsylvania worth watching as a supply signal. The recent trend is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. No bank is too small to score the same way: First Nb Of Pennsylvania runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 106-county, 2,463-ZIP profile means exactly what it would for any institution nationwide. At the county level, First Nb Of Pennsylvania finances markets like Allegheny County, PA, Westmoreland County, PA, Baltimore County, MD, Fayette County, PA — the specific places where its credit posture translates into local lending capacity. The value is in the linkage: First Nb Of Pennsylvania's moderate reading is mapped onto 2,463 ZIP codes and 106 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. DLRadar maps First Nb Of Pennsylvania into 106 counties (2,463 ZIP codes) across 8 states — a broad, multi-state lending base. The deepest footprints are North Carolina (40 counties), Pennsylvania (39 counties), Ohio (9 counties), Maryland (8 counties). First Nb Of Pennsylvania is held under F N B Corp, so its disclosures are public and its stress trajectory is externally verifiable.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When First Nb Of Pennsylvania tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.