DNB First, National Association

Headquarters

4 Brandywine Avenue
Downingtown, PA 19335
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

DNB First, National Association is an FDIC insured institution located in Downingtown, PA. It was founded in 1861 and has approximately $1.11 billion in assets. Customers can open an account at one of its 18 branches.

FDIC Insured Yes
FDIC Certificate # 7464
Date Established 1861
Assets $ 1,154.57 million
Loans $ 917.36 million
Deposits $ 932.39 million
Capital $ 139.23 million
 

For a more detailed analysis of DNB First, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for DNB First, National Association

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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NMLS ID: 1168
2.687% 2.625% 0.63 $2,015 $1,005 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.557% 2.500% 0.75 $1,880 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
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2.240 %
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People's United Bank, N.A.
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4.000 %
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Note to DNB First, National Association
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Branches

DNB First, National Association 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:
Fairfield,Connecticut


DNB First, National Association Locations


Financial Details

DNB First, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of DNB First, National Association. 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
DNB First, National Association U.S. Bank Average
6.72% 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, DNB First, National Association had $7,073,000 in non-current loans and $2,742,000 in owned real estate. To cover these potential losses it had $139,232,000 in equity and $6,853,000 in loans loss reserves. That gives it a Texas Ratio of 6.72%.

Return on Equity
DNB First, National Association U.S. Bank Average
8.47% 7.80%

DNB First, National Association has a Return on Equity of 8.47% 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
DNB First, National Association U.S. Bank Average
12.06% 12.68%

DNB First, National Association has a Capitalization of 12.06% 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.

DNB First, National Association Balance Sheet Analysis

As of September 30, 2019, DNB First, National Association had assets of $1,113,665,000, loans of $917,355,000, and deposits of $932,385,000. 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 $ 19.76 million
Interest-bearing balances $ 9.59 million
Total securities $ 122.95 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 917.36 million
Loan loss allowance $ 6.85 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.74 million
Goodwill and other intangibles $ 15.92 million
All other assets $ 24.30 million
     Total Assets $ 974.43 million
LIABILITIES
Total deposits $ 932.39 million
      Interest-bearing deposits $ 757.81 million
      Deposits held in domestic offices $ 932.39 million
      % insured (estimated) 74.77%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 35.43 million
Subordinated debt N.A.
All other liabilities $ 6.62 million
      Total Liabilities $ 974.43 million
      Shareholders’ Equity $ 180.14 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 37.12 million
Total Interest Expense $ 8.32 million
Net interest income $ 28.81 million
Provision for loan and lease losses $ 0.63 million
Total non interest income $ 3.79 million
Total non interest expense $ 21.34 million
Pre-tax Net Operating Income $ 10.63 million

Bank Loan Profile?

The top three loan types in DNB First, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Pennsylvania, DNB First, National Association has a significantly higher percent of Multifamily Mortgages 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 30.72
Multifamily
Mortgages
10.90
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 7.70
Construction and Development Loans 8.09
Commercial Real Estate 36.83
Commercial and Industrial Loans 8.45
Farm Loans 0.00

Frequently Asked Questions About Dnb First, National Association

Branches and Savings

Is Dnb First, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #7464.

Why does Dnb First, National Association pay such low interest on savings accounts?

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

Why are Dnb First, National Association CD rates not competitive?

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

Is Dnb First, National Association a commercial bank?

Yes

Where are Dnb First, National Association locations?

See branch locations nearby.

Is Dnb First, National Association open on Saturdays?

Is Dnb First, National Association open on Sundays?

What time does Dnb First, National Association open?

What time does Dnb First, National Association close?

Are Dnb First, National Association ATMs Open 24/7?

Do Dnb First, National Association ATMs accept cash deposits?

Can Dnb First, National Association customers use other ATMs?

Do Dnb First, National Association branches have notaries?

Will Dnb First, National Association notarize my document?

What address for Dnb First, National Association should I put for incoming ACH transfers?

Will the Dnb First, National Association branch print checks?

Do Dnb First, National Association checks expire?

Does Dnb First, National Association require US citizenship to open account?

Can Dnb First, National Association close my account?

Does Dnb First, National Association Report to credit bureaus?

Does Dnb First, National Association Use Equifax?

What is Dnb First, National Association's ACH Routing Number?

What is Dnb First, National Association's SWIFT code?

Products

Does Dnb First, National Association offer mortgages?

Compare mortgage rates here.

Does Dnb First, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Dnb First, National Association offer personal loans?

Compare personal loan rates here.

Does Dnb First, National Association offer student loans?

Will Dnb First, National Association cash a check?

Will Dnb First, National Association redeem a savings bond?

Does Dnb First, National Association cash savings bonds?

Will Dnb First, National Association cash money orders?

Can Dnb First, National Association issue a money order?

Does Dnb First, National Association do currency exchange?

Background on The Bank

Who owns Dnb First, National Association?

How long has Dnb First, National Association been around?

Can Dnb First, National Association transfer to other banks?

Does Dnb First, National Association have quick pay?

Does Dnb First, National Association accept rolled coins?

Will Dnb First, National Association accept loose change?

Where is Dnb First, National Association headquarters?

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