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3 Penns Trail
Newtown, PA 18940

3rd Fed Bank is headquartered in Newtown and is the 43rd largest bank in the state of Pennsylvania. It is also the 807th largest bank in the nation. It was established in 1921 and as of June of 2014, it had grown to 205 employees at 19 locations. 3rd Fed Bank's money market rates are 14% higher than the national average, and it has a A health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 3rd Fed Bank had $9.47 million in non-current loans and owned real-estate with $99.07 million in equity and loan loss allowances on hand to cover it. This gives 3rd Fed Bank a Texas Ratio of 9.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for 3rd Fed Bank decreased dramatically from 13.95% as of June 30, 2013 to 9.56% as of June 30, 2014, resulting in a positive change of 31.52%.This indicates that the balance sheet and financial strength for 3rd Fed Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, 3rd Fed Bank has increased its total deposits by $114.59 million, resulting in 19.77% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 3rd Fed Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 3rd Fed Bank has $842.09 million in assets with $99.07 million in equity, resulting in a capitalization level of 11.76%, which is excellent.

Institution Statistics

FDIC Certificate #29132
Year Established1921
Primary RegulatorFDIC
Assets and Liabilities
Assets$842.09 million
Loans$610.23 million
Deposits$694.08 million
Equity Capital$94.92 million
Loan Loss Allowance$4.15 million
Unbacked Noncurrent Loans$3.76 million
Real Estate Owned$5.71 million
Historic Data - June 2013
Assets$717.68 million
Equity Capital$79.66 million
Loan Loss Allowance$6.92 million
Unbacked Noncurrent Loans$3.76 million
Real Estate Owned$6.18 million
Profit Margin - Quarterly
Return on Assets0.79%
Return on Equity7.16%
Interest Income$15.30 million

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3rd Fed Bank Savings Account Rates

0.30%$20k-Select Savings
0.25%--Statement Holiday Club
0.25%--Statement Vacation Club
0.15%$200-Statement Savings
0.15%--Business Savings
0.15%$200-IRA Statement Savings
0.15%$25-Youth Statement Savings

3rd Fed Bank Money Market Rates

0.50%$50k-Business Money Market
0.40%$250k-EverGreen Money Market
0.10%$5k-Emerald Money Market

3rd Fed Bank Checking Account Rates

0.45%$50k-Business Plus Checking
0.45%$50k-Business Analysis Plus Checking
0.10%$500-Interest Checking
0.10%$50-Platinum Checking

3rd Fed Bank CD Rates

1.15%$500-60 Month CD
1.15%$500-120 Month CD
0.90%$500-48 Month CD
0.65%$500-36 Month CD
0.60%$500-30 Month CD
0.50%$500-24 Month CD
0.40%$500-15 Month CD
0.40%$500-18 Month CD
0.35%$500-12 Month CD
0.25%$500-6 Month CD
0.25%$500-7 Month CD
0.25%$500-9 Month CD
0.20%$500-3 Month CD

3rd Fed Bank IRA Rates

1.15%$500-60 Month IRA
0.90%$500-48 Month IRA
0.65%$500-36 Month IRA
0.60%$500-30 Month IRA
0.50%$500-24 Month IRA
0.40%$500-15 Month IRA
0.40%$500-18 Month IRA
0.35%$500-12 Month IRA
0.25%$500-6 Month IRA
0.25%$500-7 Month IRA
0.20%$500-3 Month IRA

3rd Fed Bank has 20 locations. Click to view all 3rd Fed Bank locations.