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Overview / Commentary
2 West Liberty Boulevard
Malvern, PA 19355

First Priority Bank is headquartered in Malvern and is the 84th largest bank in the state of Pennsylvania. It is also the 1,560th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 75 employees at 10 locations. First Priority Bank has a B+ health rating.

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Data for Q1 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 March 31, 2014 First Priority Bank had $4.54 million in non-current loans and owned real-estate with $45.08 million in equity and loan loss allowances on hand to cover it. This gives First Priority Bank a Texas Ratio of 10.08% 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 First Priority Bank decreased dramatically from 18.48% as of March 31, 2013 to 10.08% as of March 31, 2014, resulting in a positive change of 45.46%.This indicates that the balance sheet and financial strength for First Priority Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, First Priority Bank has decreased its total deposits by -$12.18 million, resulting in -3.39% 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 First Priority Bank has shown is below average.



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. First Priority Bank has $430.95 million in assets with $45.08 million in equity, resulting in a capitalization level of 10.46%, which is above average.

Institution Statistics

FDIC Certificate #58092
Year Established2005
Primary RegulatorFDIC
Assets and Liabilities
Assets$430.95 million
Loans$337.86 million
Deposits$347.43 million
Equity Capital$42.86 million
Loan Loss Allowance$2.22 million
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$1.12 million
Historic Data - March 2013
Assets$442.78 million
Equity Capital$42.89 million
Loan Loss Allowance$2.56 million
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$1.24 million
Profit Margin - Quarterly
Net Interest Margin3.58%
Return on Assets0.58%
Return on Equity6%
Interest Income$4.48 million

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First Priority Bank Savings Account Rates

0.20%$7,500-Smart Savings

First Priority Bank Money Market Rates

0.25%$25k-Money Market

First Priority Bank Checking Account Rates

0.20%$7,500-Performance Checking
0.15%$100k-Premium Checking

First Priority Bank CD Rates

1.75%$500-5 Year CD
1.21%$500-4 Year CD
1.05%$500-2 Year CD
1.05%$500-30 Month CD
1.05%$500-3 Year CD
0.60%$500-18 Month CD
0.40%$500-12 Month CD
0.30%$500-6 Month CD
0.25%$500-90 Day CD

First Priority Bank Locations
Blue Bell Office Branch10 Sentry Parkway, Suite 100Blue Bell, PA 19422
Newtown Branch104 Pheasant RunNewtown, PA 18940
1310 Broadcasting Br1310 Broadcasting RoadWyomissing, PA 19610
Towamencin Branch1758 Allentown RoadLansdale, PA 19446
First Priority Bank2 West Liberty BoulevardMalvern, PA 19355
Reading Branch29 North Sixth StreetReading, PA 19601
Spring Township Branch3101 Shillington RoadSinking Spring, PA 19608
Muhlenberg Branch4200 N. 5th Street HighwayTemple, PA 19560
Exeter Commons Branch4541 Perkiomen AvenueReading, PA 19606
Plumstead Branch5936 Easton RoadPipersville, PA 18947