Huntingdon Savings Bank

Headquarters

423 Penn Street
Huntingdon, PA 16652
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

Huntingdon Savings Bank is an FDIC insured institution located in Huntingdon, PA. It was founded in 1923 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 30031
Date Established 1923
Assets $ 16.30 million
Loans $ 13.45 million
Deposits $ 12.71 million
Capital $ 3.56 million
 

For a more detailed analysis of Huntingdon Savings Bank'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 Huntingdon Savings Bank

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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Payment
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Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
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2.240 %
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More Info

Note to Huntingdon Savings Bank
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Branches

Huntingdon Savings 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:
Fairfield,Connecticut


Huntingdon Savings Bank Locations


Financial Details

Huntingdon Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Huntingdon Savings 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
Huntingdon Savings Bank U.S. Bank Average
7.07% 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, Huntingdon Savings Bank had $258,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,564,000 in equity and $84,000 in loans loss reserves. That gives it a Texas Ratio of 7.07%.

Return on Equity
Huntingdon Savings Bank U.S. Bank Average
1.8% 7.80%

Huntingdon Savings Bank has a Return on Equity of 1.8% 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
Huntingdon Savings Bank U.S. Bank Average
21.87% 12.68%

Huntingdon Savings Bank has a Capitalization of 21.87% 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.

Huntingdon Savings Bank Balance Sheet Analysis

As of March 31, 2020, Huntingdon Savings Bank had assets of $16,298,000, loans of $13,447,000, and deposits of $12,707,000. 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 $ 2.28 million
Interest-bearing balances $ 2.01 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 13.45 million
Loan loss allowance $ 0.08 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 $ 0.55 million
     Total Assets $ 12.74 million
LIABILITIES
Total deposits $ 12.71 million
      Interest-bearing deposits $ 12.71 million
      Deposits held in domestic offices $ 12.71 million
      % insured (estimated) 96.33%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.03 million
      Total Liabilities $ 12.74 million
      Shareholders’ Equity $ 3.56 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.17 million
Total Interest Expense $ 0.05 million
Net interest income $ 0.12 million
Provision for loan and lease losses $ 0.00 million
Total non interest income $ 0.00 million
Total non interest expense $ 0.10 million
Pre-tax Net Operating Income $ 0.02 million

Bank Loan Profile?

The top three loan types in Huntingdon Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Pennsylvania, Huntingdon Savings Bank has a significantly higher percent of 1-4 Family Residential 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 95.15
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 5.61
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Huntingdon Savings Bank

Branches and Savings

Is Huntingdon Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #30031.

Why does Huntingdon Savings Bank pay such low interest on savings accounts?

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

Why are Huntingdon Savings Bank CD rates not competitive?

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

Is Huntingdon Savings Bank a commercial bank?

Yes

Where are Huntingdon Savings Bank locations?

See branch locations nearby.

Is Huntingdon Savings Bank open on Saturdays?

Is Huntingdon Savings Bank open on Sundays?

What time does Huntingdon Savings Bank open?

What time does Huntingdon Savings Bank close?

Are Huntingdon Savings Bank ATMs Open 24/7?

Do Huntingdon Savings Bank ATMs accept cash deposits?

Can Huntingdon Savings Bank customers use other ATMs?

Do Huntingdon Savings Bank branches have notaries?

Will Huntingdon Savings Bank notarize my document?

What address for Huntingdon Savings Bank should I put for incoming ACH transfers?

Will the Huntingdon Savings Bank branch print checks?

Do Huntingdon Savings Bank checks expire?

Does Huntingdon Savings Bank require US citizenship to open account?

Can Huntingdon Savings Bank close my account?

Does Huntingdon Savings Bank Report to credit bureaus?

Does Huntingdon Savings Bank Use Equifax?

What is Huntingdon Savings Bank's ACH Routing Number?

What is Huntingdon Savings Bank's SWIFT code?

Products

Does Huntingdon Savings Bank offer mortgages?

Compare mortgage rates here.

Does Huntingdon Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Huntingdon Savings Bank offer personal loans?

Compare personal loan rates here.

Does Huntingdon Savings Bank offer student loans?

Will Huntingdon Savings Bank cash a check?

Will Huntingdon Savings Bank redeem a savings bond?

Does Huntingdon Savings Bank cash savings bonds?

Will Huntingdon Savings Bank cash money orders?

Can Huntingdon Savings Bank issue a money order?

Does Huntingdon Savings Bank do currency exchange?

Background on The Bank

Who owns Huntingdon Savings Bank?

How long has Huntingdon Savings Bank been around?

Can Huntingdon Savings Bank transfer to other banks?

Does Huntingdon Savings Bank have quick pay?

Does Huntingdon Savings Bank accept rolled coins?

Will Huntingdon Savings Bank accept loose change?

Where is Huntingdon Savings Bank headquarters?

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