Penn Liberty Bank

724 W Lancaster Ave Ste 210
Wayne, PA 19087


General Bank Information

FDIC Insured Yes
FDIC Certificate # 57844
Date Established 2004
Assets $0.62 billion
Loans $0.49 billion
Deposits $0.54 billion
Capital $0.06 billion

Penn Liberty Bank is an FDIC insured institution located in Wayne, PA. It was founded in 2004 and has approximately $0.64 billion in assets. Customers can open an account via one of its 13 branches.

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

Compared to other banks in Pennsylvania, Penn Liberty Bank has a significantly higher percent of Commercial Real Estate, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.02
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 17.50
Construction and Development Loans 4.13
Commercial Real Estate 41.87
Commercial and Industrial Loans 17.38
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Penn Liberty Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Penn Liberty Bank. The data is provided by the FDIC. Please remember that all banks listed on are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Penn Liberty Bank U.S. Bank Average
8.6% 8.56%

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, 2015, Penn Liberty Bank had $5,955,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $63,100,000 in equity and $6,117,000 in loans loss reserves. That gives it a Texas Ratio of 8.6%. 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
Penn Liberty Bank U.S. Bank Average
3.93% 9.74%

Penn Liberty Bank has a Return on Equity of 3.93% versus the BestCashCow average of 9.74%. 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.

Penn Liberty Bank U.S. Bank Average
10.14% 11.23%

Penn Liberty Bank has a Capitalization of 10.14% versus the BestCashCow average of 11.23%. 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.

Penn Liberty Bank Balance Sheet Analysis

As of March 31, 2015, Penn Liberty Bank had assets of $639,176,000, loans of $491,070,000, and deposits of $539,362,000. 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.

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