Stonebridge Bank

605 Willowbrook Lane
West Chester, PA 19382


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35077
Date Established 1999
Assets $0.06 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.00 billion

Stonebridge Bank is an FDIC insured institution located in West Chester, PA. It was founded in 1999 and has approximately $0.06 billion in assets. Customers can open an account at one of its 4 branches.

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

Compared to other banks in Pennsylvania, Stonebridge Bank has a significantly higher percent of Small Business 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 47.73
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 21.50
Construction and Development Loans 1.67
Commercial Real Estate 40.66
Commercial and Industrial Loans 3.28
Farm Loans 0.00

Deposit Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.50% $1 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
6 Mo CD
0.85% $500 - Learn MoreShow Less

Fixed IRA
0.95% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Stonebridge 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
Learn More
Ally Bank
NMLS ID: 181005
4.935% 4.875% 0.25 $1,826 $1,324 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.651% 4.625% -0.13 $872 $1,286 Learn More
PenFed Credit Union
NMLS ID: 401822
4.962% 4.875% 0.00 $2,500 $1,324 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Stonebridge Bank
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Stonebridge Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Stonebridge Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Stonebridge Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Stonebridge Bank U.S. Bank Average
41.58% 7.92%

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 June 30, 2018, Stonebridge Bank had $1,630,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,582,000 in equity and $338,000 in loans loss reserves. That gives it a Texas Ratio of 41.58%.

Return on Equity
Stonebridge Bank U.S. Bank Average
-24.58% 9.77%

Stonebridge Bank has a Return on Equity of -24.58% versus the BestCashCow average of 9.77%. 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.

Stonebridge Bank U.S. Bank Average
6.49% 12.31%

Stonebridge Bank has a Capitalization of 6.49% versus the BestCashCow average of 12.31. 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.

Stonebridge Bank Balance Sheet Analysis

As of June 30, 2018, Stonebridge Bank had assets of $55,225,000, loans of $36,972,000, and deposits of $51,217,000. 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

June 30, 2018
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 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 $0.01 billion
     Total Assets $0.05 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 95.46%
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 $0.05 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

June 30, 2018
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

Frequently Asked Questions About Stonebridge Bank

Branches and Savings

Is Stonebridge Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35077.

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

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

Why are Stonebridge Bank CD rates not competitive?

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

Is Stonebridge Bank a commercial bank?


Where are Stonebridge Bank locations?

See branch locations nearby.

Is Stonebridge Bank open on Saturdays?

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Are Stonebridge Bank ATMs Open 24/7?

Do Stonebridge Bank ATMs accept cash deposits?

Can Stonebridge Bank customers use other ATMs?

Do Stonebridge Bank branches have notaries?

Will Stonebridge Bank notarize my document?

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

Will the Stonebridge Bank branch print checks?

Do Stonebridge Bank checks expire?

Does Stonebridge Bank require US citizenship to open account?

Can Stonebridge Bank close my account?

Does Stonebridge Bank Report to credit bureaus?

Does Stonebridge Bank Use Equifax?

What is Stonebridge Bank's ACH Routing Number?

What is Stonebridge Bank's SWIFT code?


Does Stonebridge Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Stonebridge Bank offer personal loans?

Compare personal loan rates here.

Does Stonebridge Bank offer student loans?

Will Stonebridge Bank cash a check?

Will Stonebridge Bank redeem a savings bond?

Does Stonebridge Bank cash savings bonds?

Will Stonebridge Bank cash money orders?

Can Stonebridge Bank issue a money order?

Does Stonebridge Bank do currency exchange?

Background on The Bank

Who owns Stonebridge Bank?

How long has Stonebridge Bank been around?

Can Stonebridge Bank transfer to other banks?

Does Stonebridge Bank have quick pay?

Does Stonebridge Bank accept rolled coins?

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Where is Stonebridge Bank headquarters?

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