BanksPRESENCE BANK

PRESENCE BANK

COATESVILLE, PASmallRSSD #660570
Latest · 2025-12-31

PRESENCE BANK is an 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%. CET1 capital ratio: 11.72%, well above regulatory minimums. NPL ratio: 0.24% · Texas Ratio: 1.80%. Operates 4 domestic branches.

Assets
$456M
Deposits
$359M
Loans
$356M
Equity
$43M

Profitability

Return on Assets (ROA)-2.56%
Return on Equity (ROE)-26.43%
Net Interest Margin3.18%
Yield on Assets5.98%
Cost of Funds2.91%

Asset Quality

NPL Ratio0.24%
Net Charge-Off Ratio-0.03%
Texas Ratio1.80%
NPA Ratio0.19%
ACL / Loans1.25%

Capital & Liquidity

CET1 Ratio11.72%
Tier 1 Capital11.72%
Total Capital Ratio12.96%
Leverage Ratio9.18%
Loan-to-Deposit99.18%

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