PRESENCE BANK
COATESVILLE, PENNSYLVANIA · FDIC Cert #30085
Capital & Safety Analysis
According to FDIC financial data, PRESENCE BANK holds a Tier 1 capital ratio of 12.71%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning PRESENCE BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
PRESENCE BANK shows strong financial health indicators. With $445M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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
PRESENCE BANK has a Bank Health Score of B (72/100). It holds a Tier 1 capital ratio of 12.71%, 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.
PRESENCE BANK holds $445M in total assets and $347M in total deposits. It is located in COATESVILLE, PENNSYLVANIA (FDIC Certificate #30085).
PRESENCE BANK has a Tier 1 capital ratio of 12.71%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.37%, and the return on assets is 0.51%.
Yes. PRESENCE BANK is FDIC-insured (Certificate #30085). 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.