Firstrust Savings Bank
Firstrust Savings Bank reported total assets of $5.6 bn at Q2 2026, up 8.1% on a year earlier, the 257th largest of 497 banks in our US coverage. The CET1 capital ratio at Firstrust Savings Bank was 11.80%, and the uninsured share of Firstrust Savings Bank was 49.66%. Source: FDIC Call Reports.
Key takeaways
- On uninsured share of domestic deposits, Firstrust Savings Bank climbed from 205th to 86th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets Firstrust Savings Bank apart
How large is Firstrust Savings Bank?
The balance sheet of Firstrust Savings Bank at : assets $5.6 bn, deposits $4.8 bn, net loans $4.6 bn (loans equal to 95.68% of deposits). Securities make up 8.2% of total assets at Firstrust Savings Bank. Since , when Firstrust Savings Bank held $2.8 bn, its assets grew 101.4%. In the year to , deposits at Firstrust Savings Bank rose 16.3% while its total assets rose 8.1%. At , Firstrust Savings Bank employed 572 full-time equivalent staff across 18 offices, about $9.8 mn of assets per employee and $264.7 mn of deposits per office.
How much funding at Firstrust Savings Bank is uninsured?
At Firstrust Savings Bank, uninsured deposits (above the FDIC limit) made up 49.66% of domestic deposits at (+11.23 pp on a year earlier); Firstrust Savings Bank ranks 86th of 500 on this measure. In dollars, Firstrust Savings Bank estimated $2.4 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $4.8 bn | +16.3% | 260th of 499 |
| Net loans and leases | $4.6 bn | +5.6% | 227th of 500 |
| Loan-to-deposit ratio | 95.68% | -9.70 pp | 97th of 500 |
| Tier 1 leverage ratio | 11.44% | -0.39 pp | 135th of 500 |
| Total risk-based capital ratio | 13.06% | -0.65 pp | 354th of 448 |
| Net interest margin | 4.12% | +0.01 pp | 112th of 500 |
| Return on assets (ROA) | 1.71% | -0.28 pp | 97th of 500 |
| Efficiency ratio | 54.76% | -0.56 pp | 222nd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $31.9 mn | Narrowed by $6.3 mn | |
| Noncurrent loans to total loans | 0.79% | +0.03 pp | 307th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.42% | +0.34 pp | 426th of 500 (1 = lowest) |
US rank of Firstrust Savings Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Firstrust Savings Bank: assets, deposits and loans
- Total assets $5.6bn
- Deposits $4.8bn
- Net loans $4.6bn
Capital and securities
The CET1 ratio of Firstrust Savings Bank stood at 11.80% in , -0.65 pp year on year. Low and high at Firstrust Savings Bank since : 10.67% () to 12.99% (). Equity capital of Firstrust Savings Bank at : $602.4 mn, or 10.7% of total assets. Firstrust Savings Bank also reported a total capital ratio of 13.06% for , and a tier 1 leverage ratio of 11.44%.
The available-for-sale portfolio of Firstrust Savings Bank showed an unrealized loss of $31.9 mn at ; the loss narrowed by $6.3 mn over the year.
Firstrust Savings Bank: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 11%
Firstrust Savings Bank: unrealized securities gains and losses
- Available for sale -$32mn
- Held to maturity $0
Profitability and loan quality
For the year to , Firstrust Savings Bank earned a return on equity of 16.05%; return on assets: 1.71%. Net interest margin at Firstrust Savings Bank: 4.12%, +0.01 pp in a year. Firstrust Savings Bank net income: $48.3 mn, down 8.4% year on year. The efficiency ratio of Firstrust Savings Bank was 54.76%: about 55 cents cost per revenue dollar, against 67 cents at the median peer.
At , noncurrent loans were 0.79% of total loans at Firstrust Savings Bank; net charge-offs: 0.42% of average loans. Gross loans and leases at Firstrust Savings Bank: $4.6 bn, up 5.3% in a year.
Firstrust Savings Bank: profitability
- Return on equity 16%
- Net interest margin 4.1%
- Return on assets 1.7%
Peer group of Firstrust Savings Bank
The peer group of Firstrust Savings Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Firstrust Savings Bank (state-chartered stock savings bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Pennsylvania. Against them, Firstrust Savings Bank shows CET1 ratio 11.80% against a peer median of 16.22%, return on equity 16.05% against a peer median of 11.69% and uninsured deposit share 49.66% against a peer median of 26.14%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Westamerica Bank | State member bank | CA | $5.8 bn | 16.23% | 17.41% | 49.57% | |
| Emigrant Bank | State nonmember bank | FL | $5.7 bn | 17.43% | 2.83% | 17.51% | |
| Independent Bank | State member bank | MI | $5.7 bn | 11.45% | 14.92% | 24.38% | |
| Firstrust Savings Bank | State-chartered stock savings bank | PA | $5.6 bn | 11.80% | 16.05% | 49.66% | |
| The Cape Cod Five Cents Savings Bank | State member bank | MA | $5.6 bn | 18.18% | 7.00% | 16.36% | |
| Orrstown Bank | State member bank | PA | $5.6 bn | 12.11% | 14.99% | 29.14% | |
| Institution for Savings in Newburyport and Its Vicinity | State-chartered stock savings bank | MA | $5.6 bn | 16.21% | 8.46% | 27.90% | |
. FDIC Call Reports.
Last eight quarters
Two years at Firstrust Savings Bank, to : assets +8.3%, deposits +18.4%, equity +8.0%. Staff 586 to 572.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $5.2 bn | $5.4 bn | $5.3 bn | $5.2 bn | $5.8 bn | $5.7 bn | $5.6 bn | $5.6 bn |
| Total deposits | $4.0 bn | $4.2 bn | $4.1 bn | $4.1 bn | $4.5 bn | $4.7 bn | $4.8 bn | $4.8 bn |
| Bank equity capital | $558.0 mn | $553.5 mn | $568.4 mn | $586.0 mn | $603.3 mn | $595.7 mn | $607.1 mn | $602.4 mn |
| CET1 ratio | 12.26% | 12.13% | 12.21% | 12.45% | 12.32% | 11.96% | 12.44% | 11.80% |
| Return on equity (ROE) | 16.60% | 16.27% | 19.56% | 18.53% | 19.58% | 17.98% | 14.46% | 16.05% |
| Uninsured share of domestic deposits | 38.92% | 40.65% | 40.08% | 38.43% | 43.74% | 47.34% | 46.75% | 49.66% |
| Full-time equivalent employees | 586 | 588 | 590 | 587 | 598 | 607 | 590 | 572 |
| Number of offices | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Firstrust Savings Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Firstrust Savings Bank?
Firstrust Savings Bank reported $5.6 bn at in its Call Report. That makes Firstrust Savings Bank the 257th largest of 497 banks in our US coverage.
Is Firstrust Savings Bank profitable?
Firstrust Savings Bank reported net income of $48.3 mn for the year to ; annualized return on equity: 16.05%. So yes: Firstrust Savings Bank made a profit over these months.
When is data for Firstrust Savings Bank next updated?
Figures from Firstrust Savings Bank for are due after .
Where can I check the figures for Firstrust Savings Bank?
In the FDIC BankFind Suite record for certificate 26647, and in the Call Reports of Firstrust Savings Bank (RSSD ID 932978) at the FFIEC Central Data Repository.