Presence Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 9.6. A current level of 2.9 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Comm re (39%), home mtgs (21%), securities (11%), cash (7%), comm loans (5%), home eq lns (2%), other (15%)
States with Branches:
PA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
PB Bankshares, Inc.
Investment Rating
--
Address
185 East Lincoln Highway
Coatesville, PA 19320
Coatesville, PA 19320
Phone Number
(610) 615-7349
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.