Elderton State Bank
BankRegReports is independent of Elderton State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Elderton State Bank is an FDIC-insured commercial bank headquartered in Elderton, PA, established in 1919 (FDIC certificate 12985), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $465.2M, up 11.3% from Q2 2025, the 71st largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12985
- Headquarters
- Elderton, PA
- Established
- 1919
- Total assets, Q2 2026
- $465.2M
- Assets vs Q2 2025
- +11.3%
- Tier 1 leverage ratio, Q2 2026
- 12.09%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 043315147
- Latest call report
- Q2 2026, FFIEC 051 · Elderton State Bank call report
- Holding company
- KEYSTRONG FINANCIAL, INC.
- Asset rank in state
- 71st of 109 in Pennsylvania
Elderton State Bank runs leaner than most banks of its size. Its balance sheet stood at $465 million at June 30, 2026, up 11.3% from a year earlier; it is based in Elderton, Pennsylvania. It spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.49% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.8 million, 47% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($66 million) is worsening: 2.51% of it is past due or on nonaccrual, up from 0.21% a year earlier.
As of June 30, 2026, Elderton State Bank reported a return on assets of 1.59%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 4.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Elderton State Bank is the 71st largest of the 109 banks headquartered in Pennsylvania. From Q1 2026 to Q2 2026, its total assets rose 2.9% to $465.2M, loans rose 3.0% and deposits rose 0.7%. Commercial and industrial loans made up 24.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.3%. Its 3 offices in the FDIC Summary of Deposits are in Elderton, PA, Rural Valley, PA and North Apollo, PA; its Elderton office books 68% of its branch deposits. By the capital ratios in its Q2 2026 call report, Elderton State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 143 N Main St, Elderton, PA 15736
- County
- Armstrong
- Metro Area
- Pittsburgh, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1919
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 55
- Domestic deposits
- $359.6M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $35K
- Average total assets
- $458.2M
- Average total loans
- $386.9M
- Average interest-bearing deposits
- $305.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12985
- Fed RSSD
- 282824
- Website
- www.eldertonbank.com →
- Parent Holding Company
- KEYSTRONG FINANCIAL, INC. (RSSD 3631012)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Elderton State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Elderton State Bank's total assets moved between a low of $358.9M (Q3 2023) and a high of $465.2M (Q2 2026) from Q3 2023 to Q2 2026, 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
$465.2M total assets against $417.8M; $410.6M total liabilities against $368.3M.
$388.7M net loans and leases against $346.0M; $359.6M total deposits against $333.9M.
$19.6M securities against $20.0M; $35.6M cash and balances due against $28.3M.
$6.8M total interest income against $5.8M; $2.5M total interest expense against $2.4M.
$4.3M net interest income against $3.4M.
$264K total noninterest income against $236K; $2.0M total noninterest expense against $1.9M.
$240K provision for credit losses against $92K.
$1.8M net income against $1.2M.
1.59% return on assets against 1.20%; 3.93% net interest margin against 3.49%.
12.09% tier 1 leverage ratio against 12.26%.
Inside the full Elderton State 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Elderton State Bank rankings
Its closest position to the top of a national ranking is 401 of 3,606, for efficiency ratio; its furthest is 1,860 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.20% (Q2 2025) to 1.74% (Q1 2026) and its net interest margin ran from 3.24% (Q3 2024) to 3.93% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.09% | 1.59% | 0.76% | 4.27% | 3.93% |
| Q1 2026 | 12.18% | 1.74% | 0.71% | 3.65% | 3.74% |
| Q4 2025 | 12.09% | 1.33% | 1.20% | 4.25% | 3.71% |
| Q3 2025 | 12.33% | 1.64% | 0.85% | 4.18% | 3.71% |
| Q2 2025 | 12.26% | 1.20% | 1.24% | 6.19% | 3.49% |
| Q1 2025 | 12.64% | 1.51% | 1.73% | 7.25% | 3.27% |
| Q4 2024 | 12.61% | 1.32% | 1.52% | 7.57% | 3.30% |
| Q3 2024 | 12.68% | 1.35% | 1.60% | 8.07% | 3.24% |
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 |
|---|---|---|---|
| Elderton State Bank (main office) | Elderton , PA | 15736 | $244.8M |
| Rural Valley Branch | Rural Valley , PA | 16249 | $72.4M |
| North Apollo Branch | North Apollo , PA | 15673 | $42.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 95 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 188 applications, 152 loans originated, $30.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Elderton State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Elderton State Bank with peers
Frequently asked about Elderton State Bank
What are Elderton State Bank's total assets?
As of the Q2 2026 filing, Elderton State Bank reported total assets of $465.2 million in its FFIEC call report.
Where is Elderton State Bank headquartered?
It is headquartered in Elderton, PA, United States.
When was Elderton State Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Elderton State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12985). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Elderton State Bank?
Elderton State Bank's primary federal regulator is the FDIC.
How many branches does Elderton State 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 Elderton State Bank's Texas Ratio?
Its Texas Ratio is 4.27% 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.
Go deeper on Elderton State Bank.
Get an email when Elderton State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Elderton State Bank, freeFree account