Community National Bank of Norwestern Pennsylvania

Headquarters

53 East State Street
Albion, PA 16401
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Community National Bank of Norwestern Pennsylvania is an FDIC insured institution located in Albion, PA. It was founded in 1933 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 10032
Date Established 1933
Assets $ 75.60 million
Loans $ 33.61 million
Deposits $ 59.92 million
Capital $ 15.41 million
 

For a more detailed analysis of Community National Bank of Norwestern Pennsylvania's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 19, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community National Bank of Norwestern Pennsylvania

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
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NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,118 $1,021 Learn More
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NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
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Branches

Community National Bank of Norwestern Pennsylvania 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:
Ashburn,Virginia


Community National Bank of Norwestern Pennsylvania Locations


Financial Details

Community National Bank of Norwestern Pennsylvania Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community National Bank of Norwestern Pennsylvania. 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
Community National Bank of Norwestern Pennsylvania U.S. Bank Average
0.67% 6.94%

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 March 31, 2020, Community National Bank of Norwestern Pennsylvania had $4,000 in non-current loans and $102,000 in owned real estate. To cover these potential losses it had $15,414,000 in equity and $395,000 in loans loss reserves. That gives it a Texas Ratio of 0.67%.

Return on Equity
Community National Bank of Norwestern Pennsylvania U.S. Bank Average
3.81% 7.80%

Community National Bank of Norwestern Pennsylvania has a Return on Equity of 3.81% versus the BestCashCow average of 7.80%. 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
Community National Bank of Norwestern Pennsylvania U.S. Bank Average
20.39% 12.68%

Community National Bank of Norwestern Pennsylvania has a Capitalization of 20.39% versus the BestCashCow average of 12.68. 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.

Community National Bank of Norwestern Pennsylvania Balance Sheet Analysis

As of March 31, 2015, Community National Bank of Norwestern Pennsylvania had assets of $73,733,000, loans of $33,607,000, and deposits of $59,917,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 33.61 million
Loan loss allowance $ 0.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.10 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 59.92 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 75.60 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Community National Bank of Norwestern Pennsylvania’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Pennsylvania, Community National Bank of Norwestern Pennsylvania has a significantly higher percent of 1-4 Family Residential 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 89.00
Multifamily
Mortgages
0.17
Credit Card Loans 0.00
Consumer Auto Loans 0.97
Small Business Loans 2.79
Construction and Development Loans 1.20
Commercial Real Estate 2.79
Commercial and Industrial Loans 1.76
Farm Loans 0.01

Frequently Asked Questions About Community National Bank Of Norwestern Pennsylvania

Branches and Savings

Is Community National Bank Of Norwestern Pennsylvania FDIC insured?

Yes. It is covered under FDIC Certificate #10032.

Why does Community National Bank Of Norwestern Pennsylvania pay such low interest on savings accounts?

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

Why are Community National Bank Of Norwestern Pennsylvania CD rates not competitive?

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

Is Community National Bank Of Norwestern Pennsylvania a commercial bank?

Yes

Where are Community National Bank Of Norwestern Pennsylvania locations?

See branch locations nearby.

Is Community National Bank Of Norwestern Pennsylvania open on Saturdays?

Is Community National Bank Of Norwestern Pennsylvania open on Sundays?

What time does Community National Bank Of Norwestern Pennsylvania open?

What time does Community National Bank Of Norwestern Pennsylvania close?

Are Community National Bank Of Norwestern Pennsylvania ATMs Open 24/7?

Do Community National Bank Of Norwestern Pennsylvania ATMs accept cash deposits?

Can Community National Bank Of Norwestern Pennsylvania customers use other ATMs?

Do Community National Bank Of Norwestern Pennsylvania branches have notaries?

Will Community National Bank Of Norwestern Pennsylvania notarize my document?

What address for Community National Bank Of Norwestern Pennsylvania should I put for incoming ACH transfers?

Will the Community National Bank Of Norwestern Pennsylvania branch print checks?

Do Community National Bank Of Norwestern Pennsylvania checks expire?

Does Community National Bank Of Norwestern Pennsylvania require US citizenship to open account?

Can Community National Bank Of Norwestern Pennsylvania close my account?

Does Community National Bank Of Norwestern Pennsylvania Report to credit bureaus?

Does Community National Bank Of Norwestern Pennsylvania Use Equifax?

What is Community National Bank Of Norwestern Pennsylvania's ACH Routing Number?

What is Community National Bank Of Norwestern Pennsylvania's SWIFT code?

Products

Does Community National Bank Of Norwestern Pennsylvania offer mortgages?

Compare mortgage rates here.

Does Community National Bank Of Norwestern Pennsylvania offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community National Bank Of Norwestern Pennsylvania offer personal loans?

Compare personal loan rates here.

Does Community National Bank Of Norwestern Pennsylvania offer student loans?

Will Community National Bank Of Norwestern Pennsylvania cash a check?

Will Community National Bank Of Norwestern Pennsylvania redeem a savings bond?

Does Community National Bank Of Norwestern Pennsylvania cash savings bonds?

Will Community National Bank Of Norwestern Pennsylvania cash money orders?

Can Community National Bank Of Norwestern Pennsylvania issue a money order?

Does Community National Bank Of Norwestern Pennsylvania do currency exchange?

Background on The Bank

Who owns Community National Bank Of Norwestern Pennsylvania?

How long has Community National Bank Of Norwestern Pennsylvania been around?

Can Community National Bank Of Norwestern Pennsylvania transfer to other banks?

Does Community National Bank Of Norwestern Pennsylvania have quick pay?

Does Community National Bank Of Norwestern Pennsylvania accept rolled coins?

Will Community National Bank Of Norwestern Pennsylvania accept loose change?

Where is Community National Bank Of Norwestern Pennsylvania headquarters?

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