Bank of Bird-in-Hand

309 North Ronks Road
Bird In Hand, PA 17505


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 59074
Date Established 2013
Assets $0.31 billion
Loans $0.27 billion
Deposits $0.25 billion
Capital $0.03 billion

Bank of Bird-in-Hand is an FDIC insured institution located in Bird In Hand, PA. It was founded in 2013 and has approximately $0.31 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Bank of Bird-in-Hand's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank of Bird-in-Hand’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Pennsylvania, Bank of Bird-in-Hand has a significantly higher percent of Farm 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 35.69
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 4.37
Construction and Development Loans 2.25
Commercial Real Estate 9.44
Commercial and Industrial Loans 10.61
Farm Loans 3.08

Deposit Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $4,999 Learn MoreShow Less
Money Market
0.20% $10,000 $24,999 Learn MoreShow Less
Money Market
1.77% $25,000 $49,999 Learn MoreShow Less

Fixed IRA
0.30% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $500 $49,999 Learn MoreShow Less

Loan Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Bird-in-Hand

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
Ally Bank
NMLS ID: 181005
4.935% 4.875% 0.25 $1,826 $1,324 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.651% 4.625% -0.13 $872 $1,286 Learn More
PenFed Credit Union
NMLS ID: 401822
4.962% 4.875% 0.00 $2,500 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Bank of Bird-in-Hand
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Bank of Bird-in-Hand branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Bank of Bird-in-Hand Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Bird-in-Hand. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Bird-in-Hand U.S. Bank Average
0% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, Bank of Bird-in-Hand had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $30,451,000 in equity and $2,308,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank of Bird-in-Hand U.S. Bank Average
8.09% 9.77%

Bank of Bird-in-Hand has a Return on Equity of 8.09% versus the BestCashCow average of 9.77%. 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.

Bank of Bird-in-Hand U.S. Bank Average
9.88% 12.31%

Bank of Bird-in-Hand has a Capitalization of 9.88% versus the BestCashCow average of 12.31. 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.

Bank of Bird-in-Hand Balance Sheet Analysis

As of June 30, 2018, Bank of Bird-in-Hand had assets of $308,345,000, loans of $266,440,000, and deposits of $249,342,000. 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

June 30, 2018
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.27 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.28 billion
Total deposits $0.25 billion
      Interest-bearing deposits $0.22 billion
      Deposits held in domestic offices $0.25 billion
      % insured (estimated) 74.69%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.28 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Bird-in-hand

Branches and Savings

Is Bank Of Bird-in-hand FDIC insured?

Yes. It is covered under FDIC Certificate #59074.

Why does Bank Of Bird-in-hand pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Of Bird-in-hand CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Of Bird-in-hand a commercial bank?


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Does Bank Of Bird-in-hand offer mortgages?

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Does Bank Of Bird-in-hand offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Bird-in-hand offer personal loans?

Compare personal loan rates here.

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Background on The Bank

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