County Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
County Savings Bank is an FDIC-insured savings institution headquartered in Essington, PA, established in 1920 (FDIC certificate 29231), and it is supervised by the OCC. At Q2 2026 it reported total assets of $90.4M, down 6.1% from Q2 2025, the 104th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 19.43% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 29231
- Headquarters
- Essington, PA
- Established
- 1920
- Total assets, Q2 2026
- $90.4M
- Assets vs Q2 2025
- -6.1%
- CET1 ratio, Q2 2026
- 19.43%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 231372329
- Latest call report
- Q2 2026, FFIEC 051 · County Savings Bank call report
- Asset rank in state
- 104th of 109 in Pennsylvania
County Savings Bank operates with a thinner capital cushion than most banks of its size. Based in Essington, Pennsylvania, it had $90 million in assets at June 30, 2026, down 6.1% from a year earlier. It funds 8.08% of its assets with Tier 1 capital, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 13.06%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Loans and deposits moved in opposite directions: over the year loans rose 5.5% and deposits fell 6.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.1 million equal 16% of Tier 1 capital, down from 21% a year earlier. Costs are the weak spot: it spends about 91 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, County Savings Bank reported a CET1 capital ratio of 19.43%, a return on assets of 0.17%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, County Savings Bank is the 104th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $90.4M, loans rose 3.2% and deposits rose 0.9%. 1-4 family residential loans made up 85.5% of its total loans on June 30, 2026, its largest category; next came multifamily loans at 5.0%. Its 3 offices in the FDIC Summary of Deposits are in Essington, PA and Milmont Park, PA; its Essington 2 offices book 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, County Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10 Powhattan Ave, Essington, PA 19029
- County
- Delaware
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $82.2M
- Allowance for credit losses
- $401K
- Net charge-offs (YTD)
- $0
- Average total assets
- $89.7M
- Average total loans
- $54.3M
- Average interest-bearing deposits
- $68.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29231
- Fed RSSD
- 658072
- Website
- www.countysavingsbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, County Savings Bank's total assets ran between $89.1M (Q4 2025) and $102.8M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$90.4M total assets against $96.2M; $83.1M total liabilities against $89.1M.
$55.5M net loans and leases against $52.6M; $82.2M total deposits against $88.3M.
$16.2M securities against $18.7M; $15.4M cash and balances due against $21.6M.
$909K total interest income against $909K; $168K total interest expense against $172K.
$741K net interest income against $737K.
$48K total noninterest income against $42K; $721K total noninterest expense against $712K.
$17K provision for credit losses against $10K.
$38K net income against $42K.
0.17% return on assets against 0.17%; 3.42% net interest margin against 3.15%.
19.43% CET1 capital ratio against 19.31%; 8.08% tier 1 leverage ratio against 7.31%.
Inside the full County Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
County Savings Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q1 2025) to 0.44% (Q4 2024) and its net interest margin ran from 2.93% (Q3 2024) to 3.42% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.43% | 0.17% | 0.00% | 0.00% | 3.42% |
| Q1 2026 | 19.73% | 0.18% | 0.00% | 0.00% | 3.38% |
| Q4 2025 | 19.80% | 0.21% | 0.00% | 0.00% | 3.34% |
| Q3 2025 | 19.67% | 0.24% | 0.00% | 0.00% | 3.26% |
| Q2 2025 | 19.31% | 0.17% | 0.00% | 0.00% | 3.15% |
| Q1 2025 | 19.10% | 0.14% | 0.00% | 0.00% | 3.05% |
| Q4 2024 | 19.18% | 0.44% | 0.00% | 0.00% | 3.03% |
| Q3 2024 | 18.97% | 0.16% | 0.00% | 0.00% | 2.93% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| County Savings Bank (main office) | Essington , PA | 19029 | $43.5M |
| Milmont Ave Branch | Milmont Park , PA | 19033 | $38.7M |
| Administrative Office | Essington , PA | 19029 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 130 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about County Savings Bank
What are County Savings Bank's total assets?
As of the Q2 2026 filing, County Savings Bank reported total assets of $90.4 million in its FFIEC call report.
Where is County Savings Bank headquartered?
It is headquartered in Essington, PA, United States.
When was County Savings Bank founded?
It was established in 1920, per the FDIC institution directory.
Is County Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #29231). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates County Savings Bank?
County Savings Bank's primary federal regulator is the OCC.
What is County Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.43% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does County Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is County Savings Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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