Lafayette Ambassador Bank (PA)

Lafayette Ambassador Bank (PA) Locations
360 Northampton Street
Easton, PA 18042
1-800-752-8400
www.lafambank.com

Lafayette Ambassador Bank (PA) is headquartered in Bethlehem and is the 20th largest bank in the state of Pennsylvania. It is also the 456th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 188 employees at 23 locations. Lafayette Ambassador Bank (PA) has a 4-star health rating.



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See Rates for: Money Market | CD | IRA

Lafayette Ambassador Bank (PA) Money Market Rates

ApyMinMaxProduct
0.25%$10k-Platinum Money Market Account
0.15%$1k-Money Market Account

Lafayette Ambassador Bank (PA) CD Rates

ApyMinMaxProduct
1.90%$500-6 Year CD
1.69%$500-5 Year CD
1.64%$500-54 Month CD
1.40%$500-4 Year CD
1.15%$500-42 Month CD
0.95%$500-3 Year CD
0.75%$500-30 - 35 Month CD
0.60%$500-19 - 23 Month CD
0.60%$500-24 - 27 Month CD
0.60%$500-28 Month CD
0.60%$500-29 Month CD
0.50%$500-18 Month CD
0.45%$10k-12 Month Variable CD
0.35%$500-12 Month CD
0.35%$500-13 Month CD
0.35%$500-14 Month CD
0.35%$500-15 Month CD
0.35%$500-16 Month CD
0.35%$500-17 Month CD
0.25%$500-10 Month CD
0.25%$500-11 Month CD
0.15%$500-6 Month CD
0.15%$500-7 Month CD
0.15%$500-8 Month CD
0.15%$500-9 Month CD
0.10%$500-1- 2 Month CD
0.10%$500-3 - 4 Month CD
0.10%$500-5 Month CD

Lafayette Ambassador Bank (PA) IRA Rates

ApyMinMaxProduct
1.90%$250-6 Year IRA CD
1.69%$250-5 Year IRA CD
1.64%$250-54 Month IRA CD
1.40%$250-4 Year IRA CD
1.15%$250-42 Month IRA CD
0.95%$250-3 Year IRA CD
0.75%$250-30 - 35 Month IRA CD
0.60%$250-19 - 23 Month IRA CD
0.60%$250-24 - 27 Month IRA CD
0.60%$250-28 Month IRA CD
0.60%$250-29 Month IRA CD
0.50%$250-18 Month IRA CD
0.45%$10k-12 Month Variable IRA
0.35%$250-12 Month IRA CD
0.35%$250-13 Month IRA CD
0.35%$250-14 Month IRA CD
0.35%$250-15 Month IRA CD
0.35%$250-16 Month IRA CD
0.35%$250-17 Month IRA CD
0.25%$250-10 Month IRA CD
0.25%$250-11 Month IRA CD
0.15%$250-6 Month IRA CD
0.15%$250-7 Month IRA CD
0.15%$250-8 Month IRA CD
0.15%$250-9 Month IRA CD
0.10%$250-1 - 2 Month IRA CD
0.10%$250-3 - 4 Month IRA CD
0.10%$250-5 Month IRA CD

Rates updated: 5/25/2012 * Not all products updated

Data for Q1 2012


Institution Statistics


Lafayette Ambassador Bank
FDIC Certificate #11106
BankRate ReportView
Year Established1922
Employees188
Primary RegulatorFED

Assets and Liabilities

Assets$1.45 billion
Loans$1.05 billion
Deposits$1.09 billion
Equity Capital$148.99 million
Loan Loss Allowance$13.01 million
Unbacked Noncurrent Loans$12.77 million
Real Estate Owned$1.54 million

Historic Data - March 2011

Assets$1.40 billion
Equity Capital$137.88 million
Loan Loss Allowance$13.16 million
Unbacked Noncurrent Loans$17.28 million
Real Estate Owned$1.35 million

Profit Margin - Quarterly

Net Interest Margin4.06%
Return on Assets1.68%
Return on Equity16.53%
Interest Income$15.84 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 March 31, 2012 Lafayette Ambassador Bank (PA) had $14.3 million in non-current loans and owned real-estate with $162 million in equity and loan loss allowances on hand to cover it. This gives Lafayette Ambassador Bank (PA) a Texas Ratio of 8.83% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Lafayette Ambassador Bank (PA) decreased slightly from 12.33% as of March 31, 2011 to 8.83% as of March 31, 2012, resulting in a positive change of 28.41%.This indicates that the balance sheet and financial strength for Lafayette Ambassador Bank (PA) has improved slightly in recent periods.
Deposit Growth2
In the past year, Lafayette Ambassador Bank (PA) has decreased its total deposits by -$12.18 million, resulting in -1.11% 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 below average.
Capitalization4
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 $1.45 billion in assets with $162 million in equity, resulting in a capitalization level of 11.16%, which is above average.
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