LUZERNE BANK
LUZERNE, PENNSYLVANIA · FDIC Cert #7586
Capital & Safety Analysis
According to FDIC financial data, LUZERNE BANK holds a Tier 1 capital ratio of 10.40%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning LUZERNE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
LUZERNE BANK shows average financial health. While not alarming, its Health Score of 62/100 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.
Frequently Asked Questions
LUZERNE BANK has a Bank Health Score of C (62/100). It holds a Tier 1 capital ratio of 10.40%, 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.
LUZERNE BANK holds $712M in total assets and $544M in total deposits. It is located in LUZERNE, PENNSYLVANIA (FDIC Certificate #7586).
LUZERNE BANK has a Tier 1 capital ratio of 10.40%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.10%, and the return on assets is 1.18%.
Yes. LUZERNE BANK is FDIC-insured (Certificate #7586). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.