Susquehanna Community Bank

940 High Street
West Milton, PA 17886

Notable Rates APY Vs.Others
Savings 1.76% 2.20% →
1-Year CD N.A. 2.20% →
2-Year CD N.A. 2.20% →
5-Year CD N.A. 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

Susquehanna Community Bank is an FDIC insured institution located in West Milton, PA. It was founded in 1920 and has approximately $0.47 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 8421
Date Established 1920
Assets $0.47 billion
Loans $0.25 billion
Deposits $0.42 billion
Capital $0.05 billion

For a more detailed analysis of Susquehanna Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 27, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
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Loan Rates - February 27, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Susquehanna Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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License#: 13256
3.156% 3.125% 0.38 $978 $1,071 Learn More
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NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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4.250 %
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Figure Home Equity Line
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0.000 %
$0 Learn More
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3.740 %
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People's United Bank, N.A.
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Bethpage Federal Credit Union
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Note to Susquehanna Community Bank
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Susquehanna Community 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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Susquehanna Community Bank Locations

Financial Details

Susquehanna Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Susquehanna Community 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
Susquehanna Community Bank U.S. Bank Average
1.44% 6.70%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, Susquehanna Community Bank had $723,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $47,777,000 in equity and $2,589,000 in loans loss reserves. That gives it a Texas Ratio of 1.44%.

Return on Equity
Susquehanna Community Bank U.S. Bank Average
11.78% 9.72%

Susquehanna Community Bank has a Return on Equity of 11.78% 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.

Susquehanna Community Bank U.S. Bank Average
10.09% 12.89%

Susquehanna Community Bank has a Capitalization of 10.09% 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.

Susquehanna Community Bank Balance Sheet Analysis

As of September 30, 2019, Susquehanna Community Bank had assets of $473,657,000, loans of $245,732,000, and deposits of $420,422,000. 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
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.17 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.25 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 $0.02 billion
     Total Assets $0.43 billion
Total deposits $0.42 billion
      Interest-bearing deposits $0.40 billion
      Deposits held in domestic offices $0.42 billion
      % insured (estimated) 76.60%
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 $0.43 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

September 30, 2019
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Susquehanna Community Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks, Susquehanna Community Bank’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.25
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 0.00
Construction and Development Loans 6.42
Commercial Real Estate 24.04
Commercial and Industrial Loans 9.55
Farm Loans 1.08

Frequently Asked Questions About Susquehanna Community Bank

Branches and Savings

Is Susquehanna Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8421.

Why does Susquehanna Community Bank pay such low interest on savings accounts?

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

Why are Susquehanna Community Bank CD rates not competitive?

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

Is Susquehanna Community Bank a commercial bank?


Where are Susquehanna Community Bank locations?

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Does Susquehanna Community Bank offer mortgages?

Compare mortgage rates here.

Does Susquehanna Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Susquehanna Community Bank offer personal loans?

Compare personal loan rates here.

Does Susquehanna Community Bank offer student loans?

Will Susquehanna Community Bank cash a check?

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Background on The Bank

Who owns Susquehanna Community Bank?

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Can Susquehanna Community Bank transfer to other banks?

Does Susquehanna Community Bank have quick pay?

Does Susquehanna Community Bank accept rolled coins?

Will Susquehanna Community Bank accept loose change?

Where is Susquehanna Community Bank headquarters?

Customer Reviews for Susquehanna Community Bank

  • August 10, 2019 |

    Online Savings Rates

    I did not appreciate getting pulled into the 2.53% offer on $100k only to have the rate lowered by the time I finally got the money in.

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