Susquehanna Community Bank

Headquarters

940 High Street
West Milton, PA 17886
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.45% 1.20% →
1-Year CD N.A. 1.10% →
2-Year CD N.A. 1.15% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

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 $0.45 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 8421
Date Established 1920
Assets $ 445.30 million
Loans $ 255.93 million
Deposits $ 367.76 million
Capital $ 49.88 million
 

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 - August 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Eagle Premium Savings Account
0.45% $100,000 - Learn More



Loan Rates - August 4, 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
2.930% 2.875% 0.75 $1,762 $1,038 Learn More
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NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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3.750 %
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4.000 %
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Third Federal Savings and Loans
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2.990 %
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Note to Susquehanna Community Bank
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Branches

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.

Your Location:
Fairfield,Connecticut


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 BestCashCow.com 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
1.34% 6.94%

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 March 31, 2020, Susquehanna Community Bank had $705,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $49,876,000 in equity and $2,815,000 in loans loss reserves. That gives it a Texas Ratio of 1.34%.

Return on Equity
Susquehanna Community Bank U.S. Bank Average
10.19% 7.80%

Susquehanna Community Bank has a Return on Equity of 10.19% versus the BestCashCow average of 7.80%. 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
Susquehanna Community Bank U.S. Bank Average
11.2% 12.68%

Susquehanna Community Bank has a Capitalization of 11.2% versus the BestCashCow average of 12.68. 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 March 31, 2020, Susquehanna Community Bank had assets of $445,302,000, loans of $255,929,000, and deposits of $367,761,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 5.38 million
Interest-bearing balances $ 0.97 million
Total securities $ 155.03 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 255.93 million
Loan loss allowance $ 2.82 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.45 million
All other assets $ 17.76 million
     Total Assets $ 395.43 million
LIABILITIES
Total deposits $ 367.76 million
      Interest-bearing deposits $ 344.96 million
      Deposits held in domestic offices $ 367.76 million
      % insured (estimated) 80.44%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 24.88 million
Subordinated debt N.A.
All other liabilities $ 2.79 million
      Total Liabilities $ 395.43 million
      Shareholders’ Equity $ 49.88 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 4.46 million
Total Interest Expense $ 0.94 million
Net interest income $ 3.52 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 0.56 million
Total non interest expense $ 2.97 million
Pre-tax Net Operating Income $ 1.03 million

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.57
Multifamily
Mortgages
4.90
Credit Card Loans 0.00
Consumer Auto Loans 0.07
Small Business Loans 0.00
Construction and Development Loans 6.21
Commercial Real Estate 25.53
Commercial and Industrial Loans 8.91
Farm Loans 0.95

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?

Yes

Where are Susquehanna Community Bank locations?

See branch locations nearby.

Is Susquehanna Community Bank open on Saturdays?

Is Susquehanna Community Bank open on Sundays?

What time does Susquehanna Community Bank open?

What time does Susquehanna Community Bank close?

Are Susquehanna Community Bank ATMs Open 24/7?

Do Susquehanna Community Bank ATMs accept cash deposits?

Can Susquehanna Community Bank customers use other ATMs?

Do Susquehanna Community Bank branches have notaries?

Will Susquehanna Community Bank notarize my document?

What address for Susquehanna Community Bank should I put for incoming ACH transfers?

Will the Susquehanna Community Bank branch print checks?

Do Susquehanna Community Bank checks expire?

Does Susquehanna Community Bank require US citizenship to open account?

Can Susquehanna Community Bank close my account?

Does Susquehanna Community Bank Report to credit bureaus?

Does Susquehanna Community Bank Use Equifax?

What is Susquehanna Community Bank's ACH Routing Number?

What is Susquehanna Community Bank's SWIFT code?

Products

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?

Will Susquehanna Community Bank redeem a savings bond?

Does Susquehanna Community Bank cash savings bonds?

Will Susquehanna Community Bank cash money orders?

Can Susquehanna Community Bank issue a money order?

Does Susquehanna Community Bank do currency exchange?

Background on The Bank

Who owns Susquehanna Community Bank?

How long has Susquehanna Community Bank been around?

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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