C
Presence Bank
Rating Date
October 2025
Risk Based
Capital Ratio
13.39
Leverage
Ratio
9.46
Return On
Assets
0.60%
Total
Assets
459.82M
Capital
43.89M
Total
Deposits
363.42M
Net
Income
1.36M
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Weiss Ratings Presence Bank
Coatesville, PA 		Click to
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Rating C
Asset Quality Index 6.10
Capitalization Index 7.70
Liquidity Index 0.90
Profitability Index 3.30
Stability Index 5.30
Company Info Presence Bank
Coatesville, PA 		Click to
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FDIC Number 30085
Phone Number (610) 615-7349
Website www.presencebank.com
Asset Quality Presence Bank
Coatesville, PA 		Click to
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1-Year Asset Growth 3.36%
5-Year Asset Growth 21.23%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 2.35%
Non-Performing Loans to Loans 0.38%
Balance Sheet Presence Bank
Coatesville, PA 		Click to
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Total Assets 459.82M
Total Deposits 363.42M
Capital and Reserves Presence Bank
Coatesville, PA 		Click to
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Capital 43.89M
Leverage Ratio 9.46
Loan Loss Reserves to Loans 1.26%
Risk-Based Capital Ratio 13.39
Liquidity Presence Bank
Coatesville, PA 		Click to
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Hot Money Ratio 34.69%
Liquidity Ratio 15.93%
Profitability Presence Bank
Coatesville, PA 		Click to
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5-Year Return on Average Assets 0.35%
Net Income 1.36M
Net Interest Spread 2.82%
Operating Profit to Average Assets 0.76%
Overhead Efficiency Ratio 73.24%
Return on Assets 0.60%
Return on Equity 6.32%