Presence Bank
Coatesville, Pennsylvania · FDIC Cert #30085
Presence Bank is an FDIC-insured bank (Certificate #30085) with $445M in total assets and $347M in total deposits as of the Q2 2024 Call Report. Headquartered in Coatesville, Pennsylvania, the bank maintains a Tier 1 capital ratio of 12.71% (Well-Capitalized) and a nonperforming loan ratio of 0.37%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Presence Bank (FDIC cert 30085) is a community bank — $445M in total assets, $347M in deposits, serving the Coatesville, 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 12.71% 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 clean: non-performing loan ratio of 0.37% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 16.1% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.51% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Presence Bank carries a composite BankHealth grade of B (72/100) 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: Presence Bank
- Total Assets
- $445M
- Total Deposits
- $347M
- Tier 1 Capital Ratio
- 12.71%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.37%
- Liquidity Ratio
- 16.14%
- Return on Assets
- 0.51%
- Headquarters
- Coatesville, Pennsylvania
- FDIC Certificate
- #30085
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
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.
How Presence Bank Compares
Presence Bank’s Health Score of 72 is 2 points above the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 12.71% Tier 1 capital ratio is 1.3 points below the US banking industry average near 14%. The 0.37% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.51% is below the national ROA benchmark of ~1.1%. Among 1504 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Presence Bank is 2 points above the portfolio average of 70.
Frequently Asked Questions
Presence Bank has a Bank Health Score of B (72/100), placing it in solid financial health. 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.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Presence Bank's Tier 1 capital ratio of 12.71% and nonperforming loan ratio of 0.37% indicate a low 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 Presence Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #30085). 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.
Presence Bank holds $445M in total assets and $347M in total deposits. It is headquartered in Coatesville, Pennsylvania (FDIC Certificate #30085).
Presence Bank has a Tier 1 capital ratio of 12.71%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's 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 — 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Presence Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.