Fleetwood Bank
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Data as of · sourced from FFIEC call reports. How we update
Fleetwood Bank is an FDIC-insured commercial bank headquartered in Fleetwood, PA, established in 1934 (FDIC certificate 13561), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $415.6M, up 5.3% from Q2 2025, the 77th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.90% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 13561
- Headquarters
- Fleetwood, PA
- Established
- 1934
- Total assets, Q2 2026
- $415.6M
- Assets vs Q2 2025
- +5.3%
- CET1 ratio, Q2 2026
- 12.90%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 031311593
- Holding company
- FLEETWOOD BANK CORPORATION
- Asset rank in state
- 77th of 109 in Pennsylvania
Fleetwood Bank, based in Fleetwood, Pennsylvania, reported $416 million in assets at June 30, 2026, up 5.3% from a year earlier. It pays an average of 0.75% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 7.77% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $958,000, 92% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.2 million equal 19% of Tier 1 capital, down from 28% a year earlier.
As of June 30, 2026, Fleetwood Bank reported a CET1 capital ratio of 12.90%, a return on assets of 0.93%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 4.28%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Fleetwood Bank is the 77th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.2% to $415.6M, loans rose 3.1% and deposits rose 4.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 58.0% of total loans, followed by non-owner-occupied commercial real estate loans at 10.7%. Its 7 offices in the FDIC Summary of Deposits are in 7 cities in PA; its Fleetwood office books 31% of its branch deposits. By the capital ratios in its Q2 2026 call report, Fleetwood Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2 W Main St, Fleetwood, PA 19522
- County
- Berks
- Metro Area
- Reading, PA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 57
- Domestic deposits
- $381.1M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $411.6M
- Average total loans
- $243.4M
- Average interest-bearing deposits
- $303.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 4, 1934
- FDIC Cert
- 13561
- Fed RSSD
- 551016
- Website
- https://fleetwoodbank.com →
- Parent Holding Company
- FLEETWOOD BANK CORPORATION (RSSD 1138768)
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
From Q3 2023 to Q2 2026, Fleetwood Bank's total assets ranged from $382.5M (Q3 2023) to $415.6M (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
$415.6M total assets against $394.9M; $386.4M total liabilities against $368.6M.
$242.6M net loans and leases against $227.8M; $381.1M total deposits against $363.6M.
$132.7M securities against $125.3M; $21.7M cash and balances due against $23.0M.
$4.3M total interest income against $3.8M; $718K total interest expense against $811K.
$3.6M net interest income against $3.0M.
$397K total noninterest income against $399K; $2.8M total noninterest expense against $2.8M.
$15K provision for credit losses against $15K.
$958K net income against $498K.
0.93% return on assets against 0.51%; 3.68% net interest margin against 3.24%.
12.90% CET1 capital ratio against 13.32%; 7.77% tier 1 leverage ratio against 7.67%.
Inside the full Fleetwood Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFleetwood Bank rankings
Its closest position to the top of a national ranking is 1,486 of 3,640, for Texas Ratio; its furthest is 2,651 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q3 2024) to 0.93% (Q2 2026) and its net interest margin ran from 2.83% (Q3 2024) to 3.68% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.90% | 0.93% | 0.56% | 4.28% | 3.68% |
| Q1 2026 | 13.05% | 0.67% | 0.59% | 4.47% | 3.49% |
| Q4 2025 | 12.84% | 0.54% | 0.59% | 4.58% | 3.40% |
| Q3 2025 | 13.34% | 0.78% | 0.62% | 4.74% | 3.42% |
| Q2 2025 | 13.32% | 0.51% | 0.62% | 4.88% | 3.24% |
| Q1 2025 | 13.92% | 0.54% | 0.58% | 4.69% | 3.02% |
| Q4 2024 | 13.82% | 0.49% | 0.60% | 4.97% | 2.89% |
| Q3 2024 | 13.32% | 0.44% | 0.50% | 4.06% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Fleetwood Bank (main office) | Fleetwood , PA | 19522 | $116.3M |
| Kutztown Branch | Kutztown , PA | 19530 | $76.9M |
| Blandon Office | Blandon , PA | 19510 | $61.0M |
| Oley Branch | Oley , PA | 19547 | $44.2M |
| Shoemakersville Branch | Shoemakersville , PA | 19555 | $36.6M |
| Lyons Branch | Lyon Station , PA | 19536 | $36.6M |
| Wyomissing Loan Center Branch | Wyomissing , PA | 19610 | $9.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in PA, rank 90 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.5M approved, $761K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Fleetwood Bank
What are Fleetwood Bank's total assets?
As of the Q2 2026 filing, Fleetwood Bank reported total assets of $415.6 million in its FFIEC call report.
Where is Fleetwood Bank headquartered?
It is headquartered in Fleetwood, PA, United States.
When was Fleetwood Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Fleetwood Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13561). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fleetwood Bank?
Fleetwood Bank's primary federal regulator is the Federal Reserve.
What is Fleetwood Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.90% in its Q2 2026 call report, above regulatory requirements.
How many branches does Fleetwood Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fleetwood Bank's Texas Ratio?
Its Texas Ratio is 4.28% 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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