Swineford National Bank

227 East Main Street
Middleburg, PA 17842

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 7774
Date Established 1903
Assets $0.32 billion
Loans $0.20 billion
Deposits $0.27 billion
Capital $0.04 billion

Swineford National Bank is an FDIC insured institution located in Middleburg, PA. It was founded in 1903 and has approximately $0.32 billion in assets. Customers can open an account at one of its 7 branches.

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

Compared to other banks in Pennsylvania, Swineford National Bank has a significantly higher percent of Construction and Development Loans, Commercial and Industrial Loans, Farm 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 36.57
Multifamily
Mortgages
0.95
Credit Card Loans 0.00
Consumer Auto Loans 0.24
Small Business Loans 10.69
Construction and Development Loans 7.60
Commercial Real Estate 16.96
Commercial and Industrial Loans 16.50
Farm Loans 3.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.10% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.15% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.15% $10 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.05% $1,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.10% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Swineford National 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Swineford National Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Swineford National 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:
Ashburn,Virginia


Swineford National Bank Locations

Financial Details

Swineford National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Swineford National 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
Swineford National Bank U.S. Bank Average
6.09% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Swineford National Bank had $2,059,000 in non-current loans and $166,000 in owned real estate. To cover these potential losses it had $35,196,000 in equity and $1,313,000 in loans loss reserves. That gives it a Texas Ratio of 6.09%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Swineford National Bank U.S. Bank Average
7.09% 8.58

Swineford National Bank has a Return on Equity of 7.09% versus the BestCashCow average of 8.58. 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
Swineford National Bank U.S. Bank Average
11.09% 12.11

Swineford National Bank has a Capitalization of 11.09% versus the BestCashCow average of 12.11. 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.

Swineford National Bank Balance Sheet Analysis

As of June 30, 2017, Swineford National Bank had assets of $317,233,000, loans of $202,333,000, and deposits of $273,716,000. 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.

Frequently Asked Questions About Swineford National Bank

Branches and Savings

Is Swineford National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #7774.

Why does Swineford National Bank pay such low interest on savings accounts?

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

Why are Swineford National Bank CD rates not competitive?

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

Is Swineford National Bank a commercial bank?

Yes

Where are Swineford National Bank locations?

See branch locations nearby.

Is Swineford National Bank open on Saturdays?

Is Swineford National Bank open on Sundays?

What time does Swineford National Bank open?

What time does Swineford National Bank close?

Are Swineford National Bank ATMs Open 24/7?

Do Swineford National Bank ATMs accept cash deposits?

Can Swineford National Bank customers use other ATMs?

Do Swineford National Bank branches have notaries?

Will Swineford National Bank notarize my document?

What address for Swineford National Bank should I put for incoming ACH transfers?

Will the Swineford National Bank branch print checks?

Do Swineford National Bank checks expire?

Does Swineford National Bank require US citizenship to open account?

Can Swineford National Bank close my account?

Does Swineford National Bank Report to credit bureaus?

Does Swineford National Bank Use Equifax?

What is Swineford National Bank's ACH Routing Number?

What is Swineford National Bank's SWIFT code?

Products

Does Swineford National Bank offer mortgages?

Compare mortgage rates here.

Does Swineford National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Swineford National Bank offer personal loans?

Compare personal loan rates here.

Does Swineford National Bank offer student loans?

Will Swineford National Bank cash a check?

Will Swineford National Bank redeem a savings bond?

Does Swineford National Bank cash savings bonds?

Will Swineford National Bank cash money orders?

Can Swineford National Bank issue a money order?

Does Swineford National Bank do currency exchange?

Background on The Bank

Who owns Swineford National Bank?

How long has Swineford National Bank been around?

Can Swineford National Bank transfer to other banks?

Does Swineford National Bank have quick pay?

Does Swineford National Bank accept rolled coins?

Will Swineford National Bank accept loose change?

Where is Swineford National Bank headquarters?

Customer Reviews for Swineford National Bank

There are currently no comments for Swineford National Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →