First Federal Savings and Loan Association of Bucks Co

Headquarters

118 Mill Street
Bristol, PA 19007
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
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

First Federal Savings and Loan Association of Bucks Co is an FDIC insured institution located in Bristol, PA. It was founded in 1885 and has approximately $0.77 billion in assets.

FDIC Insured Yes
FDIC Certificate # 28835
Date Established 1885
Assets $ 751.03 million
Loans $ 541.96 million
Deposits $ 576.20 million
Capital $ 83.39 million
 

For a more detailed analysis of First Federal Savings and Loan Association of Bucks Co's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Federal Savings and Loan Association of Bucks Co

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




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Note to First Federal Savings and Loan Association of Bucks Co
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Branches

First Federal Savings and Loan Association of Bucks Co 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


First Federal Savings and Loan Association of Bucks Co Locations


Financial Details

First Federal Savings and Loan Association of Bucks Co Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Federal Savings and Loan Association of Bucks Co. 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
First Federal Savings and Loan Association of Bucks Co U.S. Bank Average
2.09% 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, First Federal Savings and Loan Association of Bucks Co had $1,843,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $83,392,000 in equity and $4,675,000 in loans loss reserves. That gives it a Texas Ratio of 2.09%.

Return on Equity
First Federal Savings and Loan Association of Bucks Co U.S. Bank Average
5.22% 7.80%

First Federal Savings and Loan Association of Bucks Co has a Return on Equity of 5.22% 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
First Federal Savings and Loan Association of Bucks Co U.S. Bank Average
11.1% 12.68%

First Federal Savings and Loan Association of Bucks Co has a Capitalization of 11.1% 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.

First Federal Savings and Loan Association of Bucks Co Balance Sheet Analysis

As of March 31, 2015, First Federal Savings and Loan Association of Bucks Co had assets of $769,426,000, loans of $541,964,000, and deposits of $576,203,000. 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 $ 541.96 million
Loan loss allowance $ 4.68 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 576.20 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 $ 751.03 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 First Federal Savings and Loan Association of Bucks Co’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, First Federal Savings and Loan Association of Bucks Co’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 67.28
Multifamily
Mortgages
4.26
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 8.69
Construction and Development Loans 3.20
Commercial Real Estate 20.63
Commercial and Industrial Loans 4.35
Farm Loans 0.00

Frequently Asked Questions About First Federal Savings And Loan Association Of Bucks Co

Branches and Savings

Is First Federal Savings And Loan Association Of Bucks Co FDIC insured?

Yes. It is covered under FDIC Certificate #28835.

Why does First Federal Savings And Loan Association Of Bucks Co pay such low interest on savings accounts?

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

Why are First Federal Savings And Loan Association Of Bucks Co CD rates not competitive?

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

Is First Federal Savings And Loan Association Of Bucks Co a commercial bank?

Yes

Where are First Federal Savings And Loan Association Of Bucks Co locations?

See branch locations nearby.

Is First Federal Savings And Loan Association Of Bucks Co open on Saturdays?

Is First Federal Savings And Loan Association Of Bucks Co open on Sundays?

What time does First Federal Savings And Loan Association Of Bucks Co open?

What time does First Federal Savings And Loan Association Of Bucks Co close?

Are First Federal Savings And Loan Association Of Bucks Co ATMs Open 24/7?

Do First Federal Savings And Loan Association Of Bucks Co ATMs accept cash deposits?

Can First Federal Savings And Loan Association Of Bucks Co customers use other ATMs?

Do First Federal Savings And Loan Association Of Bucks Co branches have notaries?

Will First Federal Savings And Loan Association Of Bucks Co notarize my document?

What address for First Federal Savings And Loan Association Of Bucks Co should I put for incoming ACH transfers?

Will the First Federal Savings And Loan Association Of Bucks Co branch print checks?

Do First Federal Savings And Loan Association Of Bucks Co checks expire?

Does First Federal Savings And Loan Association Of Bucks Co require US citizenship to open account?

Can First Federal Savings And Loan Association Of Bucks Co close my account?

Does First Federal Savings And Loan Association Of Bucks Co Report to credit bureaus?

Does First Federal Savings And Loan Association Of Bucks Co Use Equifax?

What is First Federal Savings And Loan Association Of Bucks Co's ACH Routing Number?

What is First Federal Savings And Loan Association Of Bucks Co's SWIFT code?

Products

Does First Federal Savings And Loan Association Of Bucks Co offer mortgages?

Compare mortgage rates here.

Does First Federal Savings And Loan Association Of Bucks Co offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Federal Savings And Loan Association Of Bucks Co offer personal loans?

Compare personal loan rates here.

Does First Federal Savings And Loan Association Of Bucks Co offer student loans?

Will First Federal Savings And Loan Association Of Bucks Co cash a check?

Will First Federal Savings And Loan Association Of Bucks Co redeem a savings bond?

Does First Federal Savings And Loan Association Of Bucks Co cash savings bonds?

Will First Federal Savings And Loan Association Of Bucks Co cash money orders?

Can First Federal Savings And Loan Association Of Bucks Co issue a money order?

Does First Federal Savings And Loan Association Of Bucks Co do currency exchange?

Background on The Bank

Who owns First Federal Savings And Loan Association Of Bucks Co?

How long has First Federal Savings And Loan Association Of Bucks Co been around?

Can First Federal Savings And Loan Association Of Bucks Co transfer to other banks?

Does First Federal Savings And Loan Association Of Bucks Co have quick pay?

Does First Federal Savings And Loan Association Of Bucks Co accept rolled coins?

Will First Federal Savings And Loan Association Of Bucks Co accept loose change?

Where is First Federal Savings And Loan Association Of Bucks Co headquarters?

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