Earthstar Bank

Headquarters

376 Second Street Pike
Southampton, PA 18966
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. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Earthstar Bank is an FDIC insured institution located in Southampton, PA. It was founded in 2001 and has approximately $0.11 billion in assets.

Earthstar Bank, Southampton, Pennsylvania, was closed December 10, 2010 by the Secretary of Banking of the Commonwealth of Pennsylvania, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Polonia Bank, Huntingdon Valley, Pennsylvania, to assume all of the deposits of Earthstar Bank, except for certain out-of-state certificates of deposit (CD).

FDIC Insured Yes
FDIC Certificate # 35561
Date Established 2001
Assets $ 112.64 million
Loans $ 74.75 million
Deposits $ 104.51 million
Capital $ 2.27 million
 

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

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Earthstar Bank

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
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 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
2.240 %
$0 Learn More
More Info

Note to Earthstar Bank
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Branches

Earthstar 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:
Ashburn,Virginia


Earthstar Bank Locations


Financial Details

Earthstar Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Earthstar 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
Earthstar Bank U.S. Bank Average
203.97% 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, Earthstar Bank had $7,269,000 in non-current loans and $1,938,000 in owned real estate. To cover these potential losses it had $2,272,000 in equity and $2,242,000 in loans loss reserves. That gives it a Texas Ratio of 203.97%.

Return on Equity
Earthstar Bank U.S. Bank Average
-63.02% 7.80%

Earthstar Bank has a Return on Equity of -63.02% 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
Earthstar Bank U.S. Bank Average
2.02% 12.68%

Earthstar Bank has a Capitalization of 2.02% 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.

Earthstar Bank Balance Sheet Analysis

As of November 30, -0001, Earthstar Bank had assets of $112,643,000, loans of $74,750,000, and deposits of $104,505,000. 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 $ 74.75 million
Loan loss allowance $ 2.24 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.94 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 104.51 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 $ 112.64 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 Earthstar Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Earthstar Bank’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Earthstar Bank

Branches and Savings

Is Earthstar Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35561.

Why does Earthstar Bank pay such low interest on savings accounts?

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

Why are Earthstar Bank CD rates not competitive?

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

Is Earthstar Bank a commercial bank?

Yes

Where are Earthstar Bank locations?

See branch locations nearby.

Is Earthstar Bank open on Saturdays?

Is Earthstar Bank open on Sundays?

What time does Earthstar Bank open?

What time does Earthstar Bank close?

Are Earthstar Bank ATMs Open 24/7?

Do Earthstar Bank ATMs accept cash deposits?

Can Earthstar Bank customers use other ATMs?

Do Earthstar Bank branches have notaries?

Will Earthstar Bank notarize my document?

What address for Earthstar Bank should I put for incoming ACH transfers?

Will the Earthstar Bank branch print checks?

Do Earthstar Bank checks expire?

Does Earthstar Bank require US citizenship to open account?

Can Earthstar Bank close my account?

Does Earthstar Bank Report to credit bureaus?

Does Earthstar Bank Use Equifax?

What is Earthstar Bank's ACH Routing Number?

What is Earthstar Bank's SWIFT code?

Products

Does Earthstar Bank offer mortgages?

Compare mortgage rates here.

Does Earthstar Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Earthstar Bank offer personal loans?

Compare personal loan rates here.

Does Earthstar Bank offer student loans?

Will Earthstar Bank cash a check?

Will Earthstar Bank redeem a savings bond?

Does Earthstar Bank cash savings bonds?

Will Earthstar Bank cash money orders?

Can Earthstar Bank issue a money order?

Does Earthstar Bank do currency exchange?

Background on The Bank

Who owns Earthstar Bank?

How long has Earthstar Bank been around?

Can Earthstar Bank transfer to other banks?

Does Earthstar Bank have quick pay?

Does Earthstar Bank accept rolled coins?

Will Earthstar Bank accept loose change?

Where is Earthstar Bank headquarters?

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