PRESENCE BANK

COATESVILLE, PA | Small | RSSD #660570
Latest Report: 2025-12-31

PRESENCE BANK is asn small FDIC-insured commercial bank headquartered in COATESVILLE, PA. As of 2025-12-31, the bank reported total assets of $456M and total deposits of $359M. Profitability stands at -2.56% ROA and -26.43% ROE, with a net interest margin of 3.18%. The bank's CET1 capital ratio is 11.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.80%.

Assets

$456M

Deposits

$359M

Loans

$356M

Equity

$43M

Profitability

Return on Assets (ROA) -2.56%
Return on Equity (ROE) -26.43%
Net Interest Margin (NIM) 3.18%
Yield on Assets 5.98%
Cost of Funds 2.91%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio -0.03%
Texas Ratio 1.80%
NPA Ratio 0.19%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 11.72%
Tier 1 Capital 11.72%
Total Capital Ratio 12.96%
Leverage Ratio 9.18%
Loan-to-Deposit 99.18%

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