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Overview / Commentary
1776 E. Lancaster Avenue
Paoli, PA 19301

Meridian Bank is headquartered in Paoli and is the 74th largest bank in the state of Pennsylvania. It is also the 1,339th largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 264 employees at 3 locations. Meridian Bank's money market rates are 70% higher than the national average, and it has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


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 Meridian Bank had $9.65 million in non-current loans and owned real-estate with $43.79 million in equity and loan loss allowances on hand to cover it. This gives Meridian Bank a Texas Ratio of 22.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Meridian Bank decreased slightly from 30.73% as of December 31, 2012 to 22.04% as of December 31, 2013, resulting in a positive change of 28.29%.This indicates that the balance sheet and financial strength for Meridian Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Meridian Bank has increased its total deposits by $18.15 million, resulting in 4.92% 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 Meridian Bank 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. Meridian Bank has $500.67 million in assets with $43.79 million in equity, resulting in a capitalization level of 8.75%, which is average.

Institution Statistics

FDIC Certificate #57777
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$500.67 million
Loans$436.19 million
Deposits$387.40 million
Equity Capital$39.71 million
Loan Loss Allowance$4.08 million
Unbacked Noncurrent Loans$7.90 million
Real Estate Owned$1.75 million
Historic Data - December 2012
Assets$444.23 million
Equity Capital$37.50 million
Loan Loss Allowance$4.90 million
Unbacked Noncurrent Loans$7.90 million
Real Estate Owned$4.60 million
Profit Margin - Quarterly
Net Interest Margin4.18%
Return on Assets0.83%
Return on Equity10.02%
Interest Income$21.66 million
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Meridian Bank Money Market Rates

0.75%$50k-High-Yield Money Market
0.60%$50k-High-Yield Business Money Market

Meridian Bank Checking Account Rates

0.10%$100-Free Interest Checking
0.10%$100-Business Checking

Meridian Bank CD Rates

1.45%$500-60 Month CD
1.25%$500-48 Month CD
1.00%$500-36 Month CD
0.85%$500-30 Month CD
0.75%$500-24 Month CD
0.65%$500-18 Month CD
0.55%$500-12 Month CD
0.50%$500-6 Month CD

Meridian Bank Locations
West Chester Office Branch16 W. Market StreetWest Chester, PA 19382
Meridian Bank1776 E. Lancaster AvenuePaoli, PA 19301
Lionville Branch60 E. Uwchlan Ave.Exton, PA 19341