Elderton State Bank

143 Main Street
Elderton, PA 15736

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12985
Date Established 1919
Assets $0.26 billion
Loans $0.22 billion
Deposits $0.21 billion
Capital $0.03 billion

Elderton State Bank is an FDIC insured institution located in Elderton, PA. It was founded in 1919 and has approximately $0.26 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Elderton State Bank'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 Elderton State Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Pennsylvania, Elderton State Bank has a significantly higher percent of Small Business Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.56
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.42
Small Business Loans 30.43
Construction and Development Loans 1.02
Commercial Real Estate 35.99
Commercial and Industrial Loans 12.93
Farm Loans 6.28

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.20% $10,000 $49,999 Learn MoreShow Less
3 Mo CD 100K
0.30% $50,000 - Learn MoreShow Less
6 Mo CD 10K
0.30% $10,000 $49,999 Learn MoreShow Less
6 Mo CD 100K
0.40% $50,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.60% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $1,000 $9,999 Learn MoreShow Less
Special: 13 Mo FIRA
1.20% $2,500 $9,999 Learn MoreShow Less
Special: 13 Mo FIRA
1.30% $10,000 $49,999 Learn MoreShow Less
Special: 13 Mo FIRA
1.40% $50,000 - Learn MoreShow Less
Special: 35 Mo FIRA
1.80% $2,500 $9,999 Learn MoreShow Less
Special: 35 Mo FIRA
1.90% $10,000 $49,999 Learn MoreShow Less
Special: 35 Mo FIRA
2.00% $50,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.25% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Elderton State 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
HomeDirect Mortgage
NMLS ID: 420821
3.888% 3.875% 0.13 $497 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Elderton State Bank
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Branches

Elderton State 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


Elderton State Bank Locations

Financial Details

Elderton State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Elderton State 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
Elderton State Bank U.S. Bank Average
10.1% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Elderton State Bank had $3,337,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,505,000 in equity and $3,535,000 in loans loss reserves. That gives it a Texas Ratio of 10.1%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Elderton State Bank U.S. Bank Average
9.41% 8.58

Elderton State Bank has a Return on Equity of 9.41% versus the BestCashCow average of 8.58. 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
Elderton State Bank U.S. Bank Average
11.36% 12.11

Elderton State Bank has a Capitalization of 11.36% versus the BestCashCow average of 12.11. 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.

Elderton State Bank Balance Sheet Analysis

As of June 30, 2017, Elderton State Bank had assets of $259,697,000, loans of $217,822,000, and deposits of $214,627,000. 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.

Frequently Asked Questions About Elderton State Bank

Branches and Savings

Is Elderton State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12985.

Why does Elderton State Bank pay such low interest on savings accounts?

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

Why are Elderton State Bank CD rates not competitive?

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

Is Elderton State Bank a commercial bank?

Yes

Where are Elderton State Bank locations?

See branch locations nearby.

Is Elderton State Bank open on Saturdays?

Is Elderton State Bank open on Sundays?

What time does Elderton State Bank open?

What time does Elderton State Bank close?

Are Elderton State Bank ATMs Open 24/7?

Do Elderton State Bank ATMs accept cash deposits?

Can Elderton State Bank customers use other ATMs?

Do Elderton State Bank branches have notaries?

Will Elderton State Bank notarize my document?

What address for Elderton State Bank should I put for incoming ACH transfers?

Will the Elderton State Bank branch print checks?

Do Elderton State Bank checks expire?

Does Elderton State Bank require US citizenship to open account?

Can Elderton State Bank close my account?

Does Elderton State Bank Report to credit bureaus?

Does Elderton State Bank Use Equifax?

What is Elderton State Bank's ACH Routing Number?

What is Elderton State Bank's SWIFT code?

Products

Does Elderton State Bank offer mortgages?

Compare mortgage rates here.

Does Elderton State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Elderton State Bank offer personal loans?

Compare personal loan rates here.

Does Elderton State Bank offer student loans?

Will Elderton State Bank cash a check?

Will Elderton State Bank redeem a savings bond?

Does Elderton State Bank cash savings bonds?

Will Elderton State Bank cash money orders?

Can Elderton State Bank issue a money order?

Does Elderton State Bank do currency exchange?

Background on The Bank

Who owns Elderton State Bank?

How long has Elderton State Bank been around?

Can Elderton State Bank transfer to other banks?

Does Elderton State Bank have quick pay?

Does Elderton State Bank accept rolled coins?

Will Elderton State Bank accept loose change?

Where is Elderton State Bank headquarters?

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