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Overview / Commentary
800-752-8400
2005 City Line Road
Bethlehem, PA 18017

Lafayette Ambassador Bank (PA) is headquartered in Bethlehem and is the 21st largest bank in the state of Pennsylvania. It is also the 486th largest bank in the nation. It was established in 1922 and as of December of 2013, it had grown to 186 employees at 23 locations. Lafayette Ambassador Bank (PA) has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

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 Lafayette Ambassador Bank (PA) had $17.29 million in non-current loans and owned real-estate with $165.26 million in equity and loan loss allowances on hand to cover it. This gives Lafayette Ambassador Bank (PA) a Texas Ratio of 10.46% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Lafayette Ambassador Bank (PA) experienced no significant changes from 10.54% as of December 31, 2012 to 10.46% as of December 31, 2013, resulting in a positive change of 0.70%.This indicates that the balance sheet and financial strength for Lafayette Ambassador Bank (PA) has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, Lafayette Ambassador Bank (PA) has increased its total deposits by $9.96 million, resulting in 0.9% 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 Lafayette Ambassador Bank (PA) has shown is above 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. Lafayette Ambassador Bank (PA) has $1.39 billion in assets with $165.26 million in equity, resulting in a capitalization level of 11.91%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #11106
Year Established1922
Employees186
Primary RegulatorFED
Assets and Liabilities
Assets$1.39 billion
Loans$1.08 billion
Deposits$1.12 billion
Equity Capital$152.01 million
Loan Loss Allowance$13.25 million
Unbacked Noncurrent Loans$16.51 million
Real Estate Owned$785,000
Historic Data - December 2012
Assets$1.41 billion
Equity Capital$147.01 million
Loan Loss Allowance$13.84 million
Unbacked Noncurrent Loans$16.51 million
Real Estate Owned$1.53 million
Profit Margin - Quarterly
Net Interest Margin3.74%
Return on Assets1.22%
Return on Equity11.61%
Interest Income$56.04 million
Rates
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Lafayette Ambassador Bank (PA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$250k-Platinum Money Market Account
0.10%$1k-Money Market Account

Lafayette Ambassador Bank (PA) CD Rates

DetailsAPYMINMAXPRODUCT
2.25%$2k-60 Month Promo Relationship Banking CD
2.00%$500-5 Year CD
1.06%$500-36 Month Bump-Up CD
0.75%$500-4 Year CD
0.45%$500-3 Year CD
0.35%$500-2 Year CD
0.25%$500-18 Month CD
0.10%$500-12 Month CD
0.05%$500-1- 2 Month CD
0.05%$500-3 Month CD
0.05%$500-6 Month CD
0.05%$500-9 Month CD

Lafayette Ambassador Bank (PA) IRA Rates

DetailsAPYMINMAXPRODUCT
2.25%$2k-60 Month Promo Relationship Banking IRA CD (Traditional,Roth,CESA)
2.00%$250-5 Year IRA CD (Traditional,Roth,CESA)
1.06%$250-36 Month Bump-Up IRA CD (Traditional,Roth,CESA)
0.75%$250-4 Year IRA CD (Traditional,Roth,CESA)
0.45%$250-3 Year IRA CD (Traditional,Roth,CESA)
0.35%$250-2 Year IRA CD (Traditional,Roth,CESA)
0.25%$250-18 Month IRA CD (Traditional,Roth,CESA)
0.10%$250-12 Month IRA CD (Traditional,Roth,CESA)
0.05%$250-1 - 2 Month IRA CD (Traditional,Roth,CESA)
0.05%$250-3 Month IRA CD (Traditional,Roth,CESA)
0.05%$250-6 Month IRA CD (Traditional,Roth,CESA)
0.05%$250-9 Month IRA CD (Traditional,Roth,CESA)
Locations

Lafayette Ambassador Bank (PA) has 23 locations. Click to view all Lafayette Ambassador Bank (PA) locations.