First National Bank of Chester County

Headquarters

9 North High Street
West Chester, PA 19380
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

First National Bank of Chester County is an FDIC insured institution located in West Chester, PA. It was founded in 1863 and has approximately $1.13 billion in assets.

FDIC Insured Yes
FDIC Certificate # 7802
Date Established 1863
Assets $ 1,134.59 million
Loans $ 969.07 million
Deposits $ 970.59 million
Capital $ 102.98 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank of Chester County

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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,128 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
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2.990 %
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Note to First National Bank of Chester County
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Branches

First National Bank of Chester County 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 National Bank of Chester County Locations


Financial Details

First National Bank of Chester County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Chester County. 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 National Bank of Chester County U.S. Bank Average
31.9% 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 National Bank of Chester County had $35,818,000 in non-current loans and $4,080,000 in owned real estate. To cover these potential losses it had $102,983,000 in equity and $22,101,000 in loans loss reserves. That gives it a Texas Ratio of 31.9%.

Return on Equity
First National Bank of Chester County U.S. Bank Average
0.7% 7.80%

First National Bank of Chester County has a Return on Equity of 0.7% 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 National Bank of Chester County U.S. Bank Average
9.08% 12.68%

First National Bank of Chester County has a Capitalization of 9.08% 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 National Bank of Chester County Balance Sheet Analysis

As of November 30, -0001, First National Bank of Chester County had assets of $1,134,586,000, loans of $969,068,000, and deposits of $970,588,000. 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 $ 969.07 million
Loan loss allowance $ 22.10 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.08 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 970.59 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 $ 1,134.59 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 National Bank of Chester County’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, First National Bank of Chester County’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 First National Bank Of Chester County

Branches and Savings

Is First National Bank Of Chester County FDIC insured?

Yes. It is covered under FDIC Certificate #7802.

Why does First National Bank Of Chester County pay such low interest on savings accounts?

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

Why are First National Bank Of Chester County CD rates not competitive?

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

Is First National Bank Of Chester County a commercial bank?

Yes

Where are First National Bank Of Chester County locations?

See branch locations nearby.

Is First National Bank Of Chester County open on Saturdays?

Is First National Bank Of Chester County open on Sundays?

What time does First National Bank Of Chester County open?

What time does First National Bank Of Chester County close?

Are First National Bank Of Chester County ATMs Open 24/7?

Do First National Bank Of Chester County ATMs accept cash deposits?

Can First National Bank Of Chester County customers use other ATMs?

Do First National Bank Of Chester County branches have notaries?

Will First National Bank Of Chester County notarize my document?

What address for First National Bank Of Chester County should I put for incoming ACH transfers?

Will the First National Bank Of Chester County branch print checks?

Do First National Bank Of Chester County checks expire?

Does First National Bank Of Chester County require US citizenship to open account?

Can First National Bank Of Chester County close my account?

Does First National Bank Of Chester County Report to credit bureaus?

Does First National Bank Of Chester County Use Equifax?

What is First National Bank Of Chester County's ACH Routing Number?

What is First National Bank Of Chester County's SWIFT code?

Products

Does First National Bank Of Chester County offer mortgages?

Compare mortgage rates here.

Does First National Bank Of Chester County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank Of Chester County offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Chester County offer student loans?

Will First National Bank Of Chester County cash a check?

Will First National Bank Of Chester County redeem a savings bond?

Does First National Bank Of Chester County cash savings bonds?

Will First National Bank Of Chester County cash money orders?

Can First National Bank Of Chester County issue a money order?

Does First National Bank Of Chester County do currency exchange?

Background on The Bank

Who owns First National Bank Of Chester County?

How long has First National Bank Of Chester County been around?

Can First National Bank Of Chester County transfer to other banks?

Does First National Bank Of Chester County have quick pay?

Does First National Bank Of Chester County accept rolled coins?

Will First National Bank Of Chester County accept loose change?

Where is First National Bank Of Chester County headquarters?

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