Kish Bank

4255 East Main Street
Belleville, PA 17004

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14969
Date Established 1927
Assets $0.81 billion
Loans $0.57 billion
Deposits $0.66 billion
Capital $0.07 billion

Kish Bank is an FDIC insured institution located in Belleville, PA. It was founded in 1927 and has approximately $0.81 billion in assets. Customers can open an account at one of its 14 branches.

For a more detailed analysis of Kish 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 Kish Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, Kish Bank has a significantly higher percent of Commercial and Industrial 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 36.35
Multifamily
Mortgages
3.10
Credit Card Loans 0.00
Consumer Auto Loans 0.15
Small Business Loans 6.81
Construction and Development Loans 7.07
Commercial Real Estate 24.10
Commercial and Industrial Loans 16.82
Farm Loans 0.96

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
1.00% $2,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.20% $500 - Learn MoreShow Less
Special: 24 Mo FIRA
2.16% $2,000 - Learn MoreShow Less
Special: 48 Mo FIRA
2.26% $2,000 - Learn MoreShow Less
Special: 60 Mo FIRA
1.71% $2,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.75% $100 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.25% $1,000 $19,999 Learn MoreShow Less
MM 25K
0.30% $20,000 $99,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.50% $1,000 $19,999 Learn MoreShow Less
Premium MM 25K
0.60% $20,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $1,000 Learn MoreShow Less
Int Ckg 2.5K
0.10% $1,001 - Learn MoreShow Less
Checking Rates APY MIN FEE
Green Checking Account 1.50% $0 $5.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Kish 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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,337 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Kish Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Kish 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


Kish Bank Locations

Financial Details

Kish Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kish 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
Kish Bank U.S. Bank Average
6.54% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2017, Kish Bank had $4,671,000 in non-current loans and $255,000 in owned real estate. To cover these potential losses it had $69,624,000 in equity and $5,698,000 in loans loss reserves. That gives it a Texas Ratio of 6.54%.

Return on Equity
Kish Bank U.S. Bank Average
6.8% 8.84%

Kish Bank has a Return on Equity of 6.8% versus the BestCashCow average of 8.84%. 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
Kish Bank U.S. Bank Average
8.61% 12.21%

Kish Bank has a Capitalization of 8.61% versus the BestCashCow average of 12.21. 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.

Kish Bank Balance Sheet Analysis

As of December 31, 2017, Kish Bank had assets of $808,319,000, loans of $570,305,000, and deposits of $655,469,000. 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

ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.04 billion
Total securities $0.14 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.57 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.03 billion
     Total Assets $0.74 billion
LIABILITIES
Total deposits $0.66 billion
      Interest-bearing deposits $0.57 billion
      Deposits held in domestic offices $0.66 billion
      % insured (estimated) 85.56%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.07 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.74 billion
      Shareholders’ Equity $0.07 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Kish Bank

Branches and Savings

Is Kish Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14969.

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

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

Why are Kish Bank CD rates not competitive?

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

Is Kish Bank a commercial bank?

Yes

Where are Kish Bank locations?

See branch locations nearby.

Is Kish Bank open on Saturdays?

Is Kish Bank open on Sundays?

What time does Kish Bank open?

What time does Kish Bank close?

Are Kish Bank ATMs Open 24/7?

Do Kish Bank ATMs accept cash deposits?

Can Kish Bank customers use other ATMs?

Do Kish Bank branches have notaries?

Will Kish Bank notarize my document?

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

Will the Kish Bank branch print checks?

Do Kish Bank checks expire?

Does Kish Bank require US citizenship to open account?

Can Kish Bank close my account?

Does Kish Bank Report to credit bureaus?

Does Kish Bank Use Equifax?

What is Kish Bank's ACH Routing Number?

What is Kish Bank's SWIFT code?

Products

Does Kish Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Kish Bank offer personal loans?

Compare personal loan rates here.

Does Kish Bank offer student loans?

Will Kish Bank cash a check?

Will Kish Bank redeem a savings bond?

Does Kish Bank cash savings bonds?

Will Kish Bank cash money orders?

Can Kish Bank issue a money order?

Does Kish Bank do currency exchange?

Background on The Bank

Who owns Kish Bank?

How long has Kish Bank been around?

Can Kish Bank transfer to other banks?

Does Kish Bank have quick pay?

Does Kish Bank accept rolled coins?

Will Kish Bank accept loose change?

Where is Kish Bank headquarters?

Customer Reviews for Kish Bank


  • smalltowngirl

    March 09, 2018 |

    I have a local contracting business and have been in business for over 20 years. When I started my business I did all of my banking personal and business with Kish and recommended that my customers go through Kish for their construction loans. At one time Kish was an outstanding small town bank. But as the years have gone by and they have grown, they are no longer the wonderful bank that they once were. The staff turnover is terrible, you never know the person behind the counter and they don't know you. I moved all of my accounts from Kish over 10 years ago but being that they are a local bank still kept them on the list of banks I would recommend to my customers. But no more. I have a sweet woman who went with them who was an IDEAL lending candidate. They have done nothing but deceive her and change her lending fees every time she spoke to them. She started with around 5K in fees till she closed her loan she had over 10k in fees. Kish has yet to come through on anything that they had told her with the exception of over charging her and changing her closing date....4 TIMES! Because they didn't have what they needed to do done. Not the customer, not me as the builder, not the closing attorney (who was not the one Kish tried to push her to use), Kish bank did not have their job done. It has cost this sweet woman time, money and a lot of unneeded stress. I feel like a 300K loan is a significant amount. But apparently anything under half a mil is not worth their best effort. They are NOT friendly and NOT community minded. They are KISH minded. If it is good for them they do it and everyone else is just an inconvenience. And if you still want to go there make sure to avoid one of their VPs: C. Shope. She smiles and says all the right things until you are too far in to turn around, then she becomes rude, cold and unprofessional. Good Luck. They only have 1/2 star because there is no ZERO star option.

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