ELDERTON STATE BANK

ELDERTON, PA | Small | Est. Oct. 1, 1919, midnight | FDIC #12985 | RSSD #282824 | FDIC
Latest Report: 2025-12-31

ELDERTON STATE BANK is asn small FDIC-insured commercial bank headquartered in ELDERTON, PA, established in Oct. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $442M and total deposits of $345M. Profitability stands at 1.33% ROA and 11.21% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 11.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.73% and a Texas Ratio of 4.74%. FDIC Certificate #12985.

Assets

$442M

Deposits

$345M

Loans

$368M

Equity

$52M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 11.21%
Net Interest Margin (NIM) 3.81%
Yield on Assets 6.31%
Cost of Funds 2.63%

Asset Quality

NPL Ratio 0.73%
Net Charge-Off Ratio 0.16%
Texas Ratio 4.74%
NPA Ratio 0.61%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 11.69%
Tier 1 Capital 11.69%
Total Capital Ratio 12.27%
Leverage Ratio 12.09%
Loan-to-Deposit 106.76%

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