Slovenian Savings and Loan Association of Franklin-Conemaugh

361 First St
Conemaugh, PA 15909

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 0.50% 2.20% →
2-Year CD 0.50% 2.20% →
5-Year CD 1.76% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Slovenian Savings and Loan Association of Franklin-Conemaugh is an FDIC insured institution located in Conemaugh, PA. It was founded in 1915 and has approximately $0.15 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 31994
Date Established 1915
Assets $0.15 billion
Loans $0.08 billion
Deposits $0.13 billion
Capital $0.02 billion
 

For a more detailed analysis of Slovenian Savings and Loan Association of Franklin-Conemaugh's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
3 Mo CD
0.13% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.25% $100,000 - Learn MoreShow Less
6 Mo CD
0.25% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.38% $100,000 - Learn MoreShow Less
Special: 7 Mo CD
1.51% $500 $99,999 Learn MoreShow Less
Special: 7 Mo CD
1.63% $100,000 - Learn MoreShow Less
12 Mo CD
0.38% $500 $99,999 Learn MoreShow Less
12 Mo CD
0.50% $100,000 - Learn MoreShow Less
18 Mo CD
0.38% $500 $99,999 Learn MoreShow Less
18 Mo CD
0.50% $100,000 - Learn MoreShow Less
24 Mo CD
0.38% $500 $99,999 Learn MoreShow Less
24 Mo CD
0.50% $100,000 - Learn MoreShow Less
Special: 25 Mo CD
1.76% $500 $99,999 Learn MoreShow Less
Special: 25 Mo CD
1.88% $100,000 - Learn MoreShow Less
30 Mo CD
0.38% $500 $99,999 Learn MoreShow Less
0.63% $500 $99,999 Learn MoreShow Less
36 Mo CD
0.75% $100,000 - Learn MoreShow Less
48 Mo CD
0.63% $500 $99,999 Learn MoreShow Less
48 Mo CD
0.75% $100,000 - Learn MoreShow Less
60 Mo CD
1.38% $500 $99,999 Learn MoreShow Less
60 Mo CD
1.76% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.38% $500 $99,999 Learn MoreShow Less
Special: 7 Mo FIRA
1.51% $500 $99,999 Learn MoreShow Less
Special: 7 Mo FIRA
1.63% $100,000 - Learn MoreShow Less
Special: 25 Mo FIRA
1.76% $500 $99,999 Learn MoreShow Less
Special: 25 Mo FIRA
1.88% $100,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 - Learn MoreShow Less

Loan Rates - February 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Slovenian Savings and Loan Association of Franklin-Conemaugh

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Slovenian Savings and Loan Association of Franklin-Conemaugh
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Slovenian Savings and Loan Association of Franklin-Conemaugh 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


Slovenian Savings and Loan Association of Franklin-Conemaugh Locations


Financial Details

Slovenian Savings and Loan Association of Franklin-Conemaugh Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Slovenian Savings and Loan Association of Franklin-Conemaugh. 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
Slovenian Savings and Loan Association of Franklin-Conemaugh U.S. Bank Average
3.75% 6.70%

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, 2019, Slovenian Savings and Loan Association of Franklin-Conemaugh had $638,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,574,000 in equity and $418,000 in loans loss reserves. That gives it a Texas Ratio of 3.75%.

Return on Equity
Slovenian Savings and Loan Association of Franklin-Conemaugh U.S. Bank Average
2.58% 9.72%

Slovenian Savings and Loan Association of Franklin-Conemaugh has a Return on Equity of 2.58% versus the BestCashCow average of 9.72%. 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
Slovenian Savings and Loan Association of Franklin-Conemaugh U.S. Bank Average
11.33% 12.89%

Slovenian Savings and Loan Association of Franklin-Conemaugh has a Capitalization of 11.33% versus the BestCashCow average of 12.89. 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.

Slovenian Savings and Loan Association of Franklin-Conemaugh Balance Sheet Analysis

As of September 30, 2019, Slovenian Savings and Loan Association of Franklin-Conemaugh had assets of $146,286,000, loans of $79,735,000, and deposits of $129,308,000. 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

September 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.05 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.08 billion
Loan loss allowance $0.00 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 $0.00 billion
     Total Assets $0.13 billion
LIABILITIES
Total deposits $0.13 billion
      Interest-bearing deposits $0.13 billion
      Deposits held in domestic offices $0.13 billion
      % insured (estimated) 97.55%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.13 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

September 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Slovenian Savings and Loan Association of Franklin-Conemaugh’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Consumer Auto Loans.

Compared to other banks in Pennsylvania, Slovenian Savings and Loan Association of Franklin-Conemaugh 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 90.92
Multifamily
Mortgages
0.14
Credit Card Loans 0.00
Consumer Auto Loans 3.23
Small Business Loans 0.00
Construction and Development Loans 3.47
Commercial Real Estate 1.81
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Slovenian Savings And Loan Association Of Franklin-conemaugh

Branches and Savings

Is Slovenian Savings And Loan Association Of Franklin-conemaugh FDIC insured?

Yes. It is covered under FDIC Certificate #31994.

Why does Slovenian Savings And Loan Association Of Franklin-conemaugh pay such low interest on savings accounts?

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

Why are Slovenian Savings And Loan Association Of Franklin-conemaugh CD rates not competitive?

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

Is Slovenian Savings And Loan Association Of Franklin-conemaugh a commercial bank?

Yes

Where are Slovenian Savings And Loan Association Of Franklin-conemaugh locations?

See branch locations nearby.

Is Slovenian Savings And Loan Association Of Franklin-conemaugh open on Saturdays?

Is Slovenian Savings And Loan Association Of Franklin-conemaugh open on Sundays?

What time does Slovenian Savings And Loan Association Of Franklin-conemaugh open?

What time does Slovenian Savings And Loan Association Of Franklin-conemaugh close?

Are Slovenian Savings And Loan Association Of Franklin-conemaugh ATMs Open 24/7?

Do Slovenian Savings And Loan Association Of Franklin-conemaugh ATMs accept cash deposits?

Can Slovenian Savings And Loan Association Of Franklin-conemaugh customers use other ATMs?

Do Slovenian Savings And Loan Association Of Franklin-conemaugh branches have notaries?

Will Slovenian Savings And Loan Association Of Franklin-conemaugh notarize my document?

What address for Slovenian Savings And Loan Association Of Franklin-conemaugh should I put for incoming ACH transfers?

Will the Slovenian Savings And Loan Association Of Franklin-conemaugh branch print checks?

Do Slovenian Savings And Loan Association Of Franklin-conemaugh checks expire?

Does Slovenian Savings And Loan Association Of Franklin-conemaugh require US citizenship to open account?

Can Slovenian Savings And Loan Association Of Franklin-conemaugh close my account?

Does Slovenian Savings And Loan Association Of Franklin-conemaugh Report to credit bureaus?

Does Slovenian Savings And Loan Association Of Franklin-conemaugh Use Equifax?

What is Slovenian Savings And Loan Association Of Franklin-conemaugh's ACH Routing Number?

What is Slovenian Savings And Loan Association Of Franklin-conemaugh's SWIFT code?

Products

Does Slovenian Savings And Loan Association Of Franklin-conemaugh offer mortgages?

Compare mortgage rates here.

Does Slovenian Savings And Loan Association Of Franklin-conemaugh offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Slovenian Savings And Loan Association Of Franklin-conemaugh offer personal loans?

Compare personal loan rates here.

Does Slovenian Savings And Loan Association Of Franklin-conemaugh offer student loans?

Will Slovenian Savings And Loan Association Of Franklin-conemaugh cash a check?

Will Slovenian Savings And Loan Association Of Franklin-conemaugh redeem a savings bond?

Does Slovenian Savings And Loan Association Of Franklin-conemaugh cash savings bonds?

Will Slovenian Savings And Loan Association Of Franklin-conemaugh cash money orders?

Can Slovenian Savings And Loan Association Of Franklin-conemaugh issue a money order?

Does Slovenian Savings And Loan Association Of Franklin-conemaugh do currency exchange?

Background on The Bank

Who owns Slovenian Savings And Loan Association Of Franklin-conemaugh?

How long has Slovenian Savings And Loan Association Of Franklin-conemaugh been around?

Can Slovenian Savings And Loan Association Of Franklin-conemaugh transfer to other banks?

Does Slovenian Savings And Loan Association Of Franklin-conemaugh have quick pay?

Does Slovenian Savings And Loan Association Of Franklin-conemaugh accept rolled coins?

Will Slovenian Savings And Loan Association Of Franklin-conemaugh accept loose change?

Where is Slovenian Savings And Loan Association Of Franklin-conemaugh headquarters?

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