Elderton State Bank
Elderton, Pennsylvania · FDIC Cert #12985
This is the FDIC profile for Elderton State Bank, an FDIC-insured bank (Certificate #12985) with $378M in total assets and $307M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Elderton, Pennsylvania, the bank maintains a Tier 1 capital ratio of 12.50% (Well-Capitalized) and a nonperforming loan ratio of 1.51%. BankHealthData assigns a composite Health Grade of C (63/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Elderton State Bank (FDIC cert 12985) is a community bank — $378M in total assets, $307M in deposits, serving the Elderton, Pennsylvania area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.50% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.51% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 11.5% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.29% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Elderton State Bank carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Elderton State Bank
- Total Assets
- $378M
- Total Deposits
- $307M
- Tier 1 Capital Ratio
- 12.50%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.51%
- Liquidity Ratio
- 11.46%
- Return on Assets
- 1.29%
- Headquarters
- Elderton, Pennsylvania
- FDIC Certificate
- #12985
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Elderton State Bank files quarterly Call Reports with the FDIC under Certificate #12985. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Elderton State Bank holds a Tier 1 capital ratio of 12.50%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Elderton State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Elderton State Bank shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Elderton State Bank Compares
Elderton State Bank’s Health Score of 63 is 16 points below the Pennsylvania state average of 79 across 119 FDIC-insured banks. Its 12.50% Tier 1 capital ratio is 1.5 points below the US banking industry average near 14%. The 1.51% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.29% is in line with or above the national ROA benchmark of ~1.1%. Among 1556 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Elderton State Bank is 17 points below the portfolio average of 80.
Frequently Asked Questions
Elderton State Bank has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.50%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Elderton State Bank's Tier 1 capital ratio of 12.50% and nonperforming loan ratio of 1.51% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Elderton State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #12985). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Elderton State Bank holds $378M in total assets and $307M in total deposits. It is headquartered in Elderton, Pennsylvania (FDIC Certificate #12985).
Elderton State Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #12985 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Elderton State Bank has a Tier 1 capital ratio of 12.50%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.51%, and the return on assets is 1.29%.
Yes. Elderton State Bank is FDIC-insured (Certificate #12985). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Elderton State Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.