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Overview / Commentary
610-944-7666
Main And Franklin Streets
Fleetwood, PA 19522

Fleetwood Bank is headquartered in Fleetwood and is the 129th largest bank in the state of Pennsylvania. It is also the 2,774th largest bank in the nation. It was established in 1934 and as of December of 2013, it had grown to 57 employees at 6 locations. Fleetwood Bank has a C+ health rating.

Reviews (1)

Excellent Mortgage Loan Officer Maria Kompotiatis

We would highly recommend Maria Kompotiatis. residential mortgage sales manager to anyone who is in the market for a home loan. Before we found maria, we went through 3 mortgage companies, including a bank who could not help us get a mortgage. We found her on a monday and within one week we had our mortgage committment. Maria is a fast, multitasker who gets the job done quickly and efficiently! You can find Maria by calling the fleetwood bank in fleetwood pa and asking for the loan department.



Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
B+

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 Fleetwood Bank had $2.93 million in non-current loans and owned real-estate with $21.22 million in equity and loan loss allowances on hand to cover it. This gives Fleetwood Bank a Texas Ratio of 13.81% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Fleetwood Bank experienced no significant changes from 10.70% as of December 31, 2012 to 13.81% as of December 31, 2013, resulting in a negative change of 29.08%. This indicates that the balance sheet and financial strength for Fleetwood Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Fleetwood Bank has decreased its total deposits by -$9.99 million, resulting in -4.87% 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 Fleetwood Bank has shown is below average.

Capitalization

GRADE:
C+

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. Fleetwood Bank has $225.88 million in assets with $21.22 million in equity, resulting in a capitalization level of 9.39%, which is average.

Institution Statistics

Overall
FDIC Certificate #13561
Year Established1934
Employees57
Primary RegulatorFED
Assets and Liabilities
Assets$225.88 million
Loans$133.58 million
Deposits$195.08 million
Equity Capital$19.87 million
Loan Loss Allowance$1.35 million
Unbacked Noncurrent Loans$2.31 million
Real Estate Owned$625,000
Historic Data - December 2012
Assets$238.38 million
Equity Capital$19.91 million
Loan Loss Allowance$1.37 million
Unbacked Noncurrent Loans$2.31 million
Real Estate Owned$696,000
Profit Margin - Quarterly
Net Interest Margin3.27%
Return on Assets0.54%
Return on Equity6.2%
Interest Income$7.89 million
Rates
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Fleetwood Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-High Riser Money Market
0.25%$75k-Business Tiered Money Market
0.05%$2,500$2mPublic Fund Money Market

Fleetwood Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.95%--60 Month CD
0.60%--48 Month CD
0.40%--36 Month CD
0.20%--24 Month CD
0.20%--30 Month CD
0.10%--12 Month CD
0.10%--18 Month CD
0.06%--182 Day CD
0.05%--91 Day CD

Fleetwood Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.05%--60 Month IRA
0.70%--48 Month IRA
0.50%--36 Month IRA
0.30%--24 Month IRA
0.30%--30 Month IRA
0.20%--12 Month IRA
0.20%--18 Month IRA
0.16%--182 Day IRA
0.15%--91 Day IRA
Locations


Fleetwood Bank Locations
Kutztown Branch15300 Kutztown RoadKutztown, PA 19530
Temple Branch4445 Kutztown RoadTemple, PA 19560
Shoemakersville Branch455 Main StreetShoemakersville, PA 19555
Blandon Office917 Park RoadBlandon, PA 19510
Lyons BranchEast State Avenue and 3 South Main StreetLyons Station, PA 19536
Fleetwood BankMain and Franklin StreetsFleetwood, PA 19522