Standard Bank, PaSB

4785 Old William Penn Highway
Murrysville, PA 15668

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27757
Date Established 1921
Assets $0.97 billion
Loans $0.73 billion
Deposits $0.72 billion
Capital $0.13 billion

Standard Bank, PaSB is an FDIC insured institution located in Murrysville, PA. It was founded in 1921 and has approximately $0.97 billion in assets. Customers can open an account at one of its 19 branches.

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

Compared to other banks, Standard Bank, PaSB’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 62.05
Multifamily
Mortgages
4.28
Credit Card Loans 0.08
Consumer Auto Loans 0.00
Small Business Loans 10.87
Construction and Development Loans 2.29
Commercial Real Estate 24.68
Commercial and Industrial Loans 5.83
Farm Loans 0.00

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.08% $2,500 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 - Learn MoreShow Less
Premium Money Market Account
0.10% $20,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.12% $1,000 - Learn MoreShow Less
6 Mo CD
0.12% $1,000 - Learn MoreShow Less
12 Mo CD
0.30% $1,000 - Learn MoreShow Less
18 Mo CD
0.45% $1,000 - Learn MoreShow Less
24 Mo CD
0.70% $1,000 - Learn MoreShow Less
36 Mo CD
1.15% $1,000 - Learn MoreShow Less
48 Mo CD
1.30% $1,000 - Learn MoreShow Less
60 Mo CD
1.50% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.30% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 $9,999 Learn MoreShow Less

Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Standard Bank, PaSB

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More
First Internet Bank
NMLS ID: 424182
3.779% 3.750% 0.38 $898 $1,158 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

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

Branches

Standard Bank, PaSB 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


Standard Bank, PaSB Locations


Financial Details

Standard Bank, PaSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Standard Bank, PaSB. 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
Standard Bank, PaSB U.S. Bank Average
2.32% 6.97%

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 December 31, 2018, Standard Bank, PaSB had $2,730,000 in non-current loans and $486,000 in owned real estate. To cover these potential losses it had $134,451,000 in equity and $4,406,000 in loans loss reserves. That gives it a Texas Ratio of 2.32%.

Return on Equity
Standard Bank, PaSB U.S. Bank Average
6.88% 8.80%

Standard Bank, PaSB has a Return on Equity of 6.88% versus the BestCashCow average of 8.80%. 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
Standard Bank, PaSB U.S. Bank Average
13.84% 12.29%

Standard Bank, PaSB has a Capitalization of 13.84% versus the BestCashCow average of 12.29. 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.

Standard Bank, PaSB Balance Sheet Analysis

As of December 31, 2018, Standard Bank, PaSB had assets of $971,332,000, loans of $729,085,000, and deposits of $719,957,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.15 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.73 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 $0.03 billion
All other assets $0.04 billion
     Total Assets $0.84 billion
LIABILITIES
Total deposits $0.72 billion
      Interest-bearing deposits $0.58 billion
      Deposits held in domestic offices $0.72 billion
      % insured (estimated) 82.75%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.11 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.84 billion
      Shareholders’ Equity $0.13 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.04 billion
Total Interest Expense $0.01 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Standard Bank, Pasb

Branches and Savings

Is Standard Bank, Pasb FDIC insured?

Yes. It is covered under FDIC Certificate #27757.

Why does Standard Bank, Pasb pay such low interest on savings accounts?

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

Why are Standard Bank, Pasb CD rates not competitive?

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

Is Standard Bank, Pasb a commercial bank?

Yes

Where are Standard Bank, Pasb locations?

See branch locations nearby.

Is Standard Bank, Pasb open on Saturdays?

Is Standard Bank, Pasb open on Sundays?

What time does Standard Bank, Pasb open?

What time does Standard Bank, Pasb close?

Are Standard Bank, Pasb ATMs Open 24/7?

Do Standard Bank, Pasb ATMs accept cash deposits?

Can Standard Bank, Pasb customers use other ATMs?

Do Standard Bank, Pasb branches have notaries?

Will Standard Bank, Pasb notarize my document?

What address for Standard Bank, Pasb should I put for incoming ACH transfers?

Will the Standard Bank, Pasb branch print checks?

Do Standard Bank, Pasb checks expire?

Does Standard Bank, Pasb require US citizenship to open account?

Can Standard Bank, Pasb close my account?

Does Standard Bank, Pasb Report to credit bureaus?

Does Standard Bank, Pasb Use Equifax?

What is Standard Bank, Pasb's ACH Routing Number?

What is Standard Bank, Pasb's SWIFT code?

Products

Does Standard Bank, Pasb offer mortgages?

Compare mortgage rates here.

Does Standard Bank, Pasb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Standard Bank, Pasb offer personal loans?

Compare personal loan rates here.

Does Standard Bank, Pasb offer student loans?

Will Standard Bank, Pasb cash a check?

Will Standard Bank, Pasb redeem a savings bond?

Does Standard Bank, Pasb cash savings bonds?

Will Standard Bank, Pasb cash money orders?

Can Standard Bank, Pasb issue a money order?

Does Standard Bank, Pasb do currency exchange?

Background on The Bank

Who owns Standard Bank, Pasb?

How long has Standard Bank, Pasb been around?

Can Standard Bank, Pasb transfer to other banks?

Does Standard Bank, Pasb have quick pay?

Does Standard Bank, Pasb accept rolled coins?

Will Standard Bank, Pasb accept loose change?

Where is Standard Bank, Pasb headquarters?

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