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Overview / Commentary
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 490th largest bank in the nation. It was established in 1922 and as of March of 2014, it had grown to 180 employees at 23 locations. Lafayette Ambassador Bank (PA) has a A 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 Lafayette Ambassador Bank (PA) had $16.67 million in non-current loans and owned real-estate with $169.89 million in equity and loan loss allowances on hand to cover it. This gives Lafayette Ambassador Bank (PA) a Texas Ratio of 9.81% 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 Lafayette Ambassador Bank (PA) decreased slightly from 11.30% as of March 31, 2013 to 9.81% as of March 31, 2014, resulting in a positive change of 13.16%.This indicates that the balance sheet and financial strength for Lafayette Ambassador Bank (PA) has improved slightly in recent periods.

Deposit Growth


In the past year, Lafayette Ambassador Bank (PA) has increased its total deposits by $38.18 million, resulting in 3.48% 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 excellent.



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 $1.4 billion in assets with $169.89 million in equity, resulting in a capitalization level of 12.16%, which is excellent.

Institution Statistics

FDIC Certificate #11106
Year Established1922
Primary RegulatorFED
Assets and Liabilities
Assets$1.40 billion
Loans$1.08 billion
Deposits$1.14 billion
Equity Capital$156.68 million
Loan Loss Allowance$13.21 million
Unbacked Noncurrent Loans$16.19 million
Real Estate Owned$472,000
Historic Data - March 2013
Assets$1.44 billion
Equity Capital$148.78 million
Loan Loss Allowance$14.89 million
Unbacked Noncurrent Loans$16.19 million
Real Estate Owned$1.47 million
Profit Margin - Quarterly
Net Interest Margin3.54%
Return on Assets1.02%
Return on Equity9.22%
Interest Income$13.11 million
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Lafayette Ambassador Bank (PA) Money Market Rates

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

Lafayette Ambassador Bank (PA) CD Rates

2.00%$2k-5 Year Promo Relationship Banking CD
1.75%$2k-4 Year Promo Relationship Banking CD
1.40%$2k-3 Year Bump-Up Promo Relationship Banking 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

2.00%$2k-5 Year Promo Relationship Banking IRA CD
1.75%$2k-4 Year Promo Relationship Banking IRA CD
1.40%$2k-3 Year Bump-Up Promo Relationship Banking IRA CD
0.45%$250-3 Year IRA CD
0.35%$250-2 Year IRA CD
0.25%$250-18 Month IRA CD
0.10%$250-12 Month IRA CD
0.05%$250-1 - 2 Month IRA CD
0.05%$250-3 Month IRA CD
0.05%$250-6 Month IRA CD
0.05%$250-9 Month IRA CD

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