2024 Overview
General Bank Information
Kish Bank is an FDIC insured institution located in Belleville, PA. It was founded in 1927 and has approximately $1.54 billion in assets. Customers can open an account at one of its 14 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 14969 |
| Date Established | 1927 |
| Assets | $ 1,541.94 million |
| Loans | $ 1,225.99 million |
| Deposits | $ 1,182.87 million |
| Capital | $ 124.32 million |
For a more detailed analysis of Kish Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - April 17, 2024
Your Current Location: Ohio, OH 43085
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Expect More Checking | 0.10% | $0 | $5.00 | Learn More |
Loan Rates - April 17, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Kish Bank
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Monthly Payment |
Learn More |
|---|---|---|---|---|
NMLS ID: 3030 |
7.451% |
7.375% 0.75 points $2,400 fees |
$2,211 | Learn More |
NMLS ID: Not a Lender |
points fees |
Learn More | ||
NMLS ID: 1907 |
points fees |
Learn More | ||
NMLS ID: 491986 |
points fees |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Kish Bank
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Branches
Kish Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
Kish Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Kish Bank Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Kish Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Kish Bank | U.S. Bank Average |
|---|---|
| 0.53% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2024, Kish Bank had $699,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $124,323,000 in equity and $7,545,000 in loans loss reserves. That gives it a Texas Ratio of 0.53%.
Return on Equity
| Kish Bank | U.S. Bank Average |
|---|---|
| 13.79% | 12.20% |
Kish Bank has a Return on Equity of 13.79% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Kish Bank | U.S. Bank Average |
|---|---|
| 8.06% | 10.76% |
Kish Bank has a Capitalization of 8.06% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Kish Bank Balance Sheet Analysis
As of December 31, 2023, Kish Bank had assets of $1,541,944,000, loans of $1,225,986,000, and deposits of $1,182,871,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 29.96 million |
| Interest-bearing balances | $ 16.69 million |
| Total securities | $ 192.34 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,225.99 million |
| Loan loss allowance | $ 7.55 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 4.17 million |
| All other assets | $ 46.65 million |
| Total Assets | $ 1,417.62 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 1,182.87 million |
| Interest-bearing deposits | $ 996.72 million |
| Deposits held in domestic offices | $ 1,182.87 million |
| % insured (estimated) | 72.47% |
| Federal funds purchased and repurchase agreements | $ 0.54 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 102.25 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 17.58 million |
| Total Liabilities | $ 1,417.62 million |
| Shareholders’ Equity | $ 124.32 million |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 73.37 million |
| Total Interest Expense | $ 27.89 million |
| Net interest income | $ 45.48 million |
| Provision for loan and lease losses | $ 0.71 million |
| Total non interest income | $ 11.21 million |
| Total non interest expense | $ 37.51 million |
| Pre-tax Net Operating Income | $ 7.12 million |
Bank Loan Profile?
The top three loan types in Kish Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.
Compared to other banks in Pennsylvania, Kish Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 24.56 | ✓ | ||
| Multifamily Mortgages |
6.97 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 0.04 | ✓ | ||
| Small Business Loans | 6.16 | ✓ | ||
| Construction and Development Loans | 8.69 | ✓ | ||
| Commercial Real Estate | 20.22 | ✓ | ||
| Commercial and Industrial Loans | 9.83 | ✓ | ||
| Farm Loans | 0.31 | ✓ | ||
Customer Reviews for Kish Bank
smalltowngirl
March 9, 2018 |
I have a local contracting business and have been in business for over 20 years. When I started my business I did all of my banking personal and business with Kish and recommended that my customers go through Kish for their construction loans. At one time Kish was an outstanding small town bank. But as the years have gone by and they have grown, they are no longer the wonderful bank that they once were. The staff turnover is terrible, you never know the person behind the counter and they don't know you. I moved all of my accounts from Kish over 10 years ago but being that they are a local bank still kept them on the list of banks I would recommend to my customers. But no more. I have a sweet woman who went with them who was an IDEAL lending candidate. They have done nothing but deceive her and change her lending fees every time she spoke to them. She started with around 5K in fees till she closed her loan she had over 10k in fees. Kish has yet to come through on anything that they had told her with the exception of over charging her and changing her closing date....4 TIMES! Because they didn't have what they needed to do done. Not the customer, not me as the builder, not the closing attorney (who was not the one Kish tried to push her to use), Kish bank did not have their job done. It has cost this sweet woman time, money and a lot of unneeded stress. I feel like a 300K loan is a significant amount. But apparently anything under half a mil is not worth their best effort. They are NOT friendly and NOT community minded. They are KISH minded. If it is good for them they do it and everyone else is just an inconvenience. And if you still want to go there make sure to avoid one of their VPs: C. Shope. She smiles and says all the right things until you are too far in to turn around, then she becomes rude, cold and unprofessional. Good Luck. They only have 1/2 star because there is no ZERO star option.
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