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Overview / Commentary
610-853-4805
8045 West Chester Pike
Upper Darby, PA 19082

Eagle National Bank is headquartered in Upper Darby and is the 137th largest bank in the state of Pennsylvania. It is also the 3,148th largest bank in the nation. It was established in 1987 and as of December of 2013, it had grown to 31 employees at 6 locations. Eagle National Bank's money market rates are 14% higher than the national average, and it has a B health rating.

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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Eagle National Bank had $6.77 million in non-current loans and owned real-estate with $27.18 million in equity and loan loss allowances on hand to cover it. This gives Eagle National Bank a Texas Ratio of 24.92% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Eagle National Bank decreased slightly from 28.25% as of December 31, 2012 to 24.92% as of December 31, 2013, resulting in a positive change of 11.80%.This indicates that the balance sheet and financial strength for Eagle National Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Eagle National Bank has decreased its total deposits by -$4.82 million, resulting in -2.88% 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 Eagle National Bank has shown is below average.

Capitalization

GRADE:
A+

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. Eagle National Bank has $191.21 million in assets with $27.18 million in equity, resulting in a capitalization level of 14.22%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #26947
Year Established1987
Employees31
Primary RegulatorOCC
Assets and Liabilities
Assets$191.21 million
Loans$134.76 million
Deposits$162.67 million
Equity Capital$24.35 million
Loan Loss Allowance$2.83 million
Unbacked Noncurrent Loans$6.28 million
Real Estate Owned$497,000
Historic Data - December 2012
Assets$193.82 million
Equity Capital$24.29 million
Loan Loss Allowance$3.68 million
Unbacked Noncurrent Loans$6.28 million
Real Estate Owned$2.19 million
Profit Margin - Quarterly
Net Interest Margin3.82%
Return on Assets0.36%
Return on Equity2.91%
Interest Income$7.95 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Eagle National Bank, we are a rate comparison website and can not provide official rates or promotions.

Eagle National Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Eagle Statement Savings
0.20%--Little Savers

Eagle National Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.50%$100k-Golden Eagle Money Market

Eagle National Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.30%$200k-Platinum Checking
0.10%$1k-Eagle NOW Account

Eagle National Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.30%$1k$250k60 Month CD
1.15%$1k$250k36 Month CD
0.85%$1k$250k24 Month CD
0.60%$1k$250k18 Month CD
0.55%$1k$250k12 Month CD
0.40%$1k$250k6 Month CD
0.20%$1k$250k3 Month CD

Eagle National Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%$250$250k60 Month IRA (Traditional,Roth)
1.15%$250$250k36 Month IRA (Traditional,Roth)
0.85%$250$250k24 Month IRA (Traditional,Roth)
0.60%$250$250k18 Month IRA (Traditional,Roth)
0.55%$250$250k12 Month IRA (Traditional,Roth)
0.40%$250$250k6 Month IRA (Traditional,Roth)
0.20%$250$250k3 Month IRA (Traditional,Roth)
Locations


Eagle National Bank Locations
West Chester Branch1304 Old Wilmington PikeWest Chester, PA 19382
Haverford Branch354 West Lancaster AveHaverford, PA 19041
Devon Branch410 West Lancaster AvenueDevon, PA 19333
Lansdowne Branch48 West Marshall RoadLansdowne, PA 19050
Radnor Branch789 East Lancaster AvenueVillanova, PA 19085
Eagle National Bank8045 West Chester PikeUpper Darby, PA 19082