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Overview / Commentary
7301 Old York Rd
Elkins Park , PA 19027

Noah Bank is headquartered in Elkins Park and is the 116st largest bank in the state of Pennsylvania. It is also the 2,191st largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 99 employees at 5 locations. Noah Bank has a B+ 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 Noah Bank had $5.66 million in non-current loans and owned real-estate with $35.46 million in equity and loan loss allowances on hand to cover it. This gives Noah Bank a Texas Ratio of 15.98% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Noah Bank experienced no significant changes from 17.23% as of March 31, 2013 to 15.98% as of March 31, 2014, resulting in a positive change of 7.27%.This indicates that the balance sheet and financial strength for Noah Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Noah Bank has increased its total deposits by $38.32 million, resulting in 17.12% 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 Noah 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. Noah Bank has $297.44 million in assets with $35.46 million in equity, resulting in a capitalization level of 11.92%, which is excellent.

Institution Statistics

FDIC Certificate #58196
Year Established2006
Primary RegulatorFDIC
Assets and Liabilities
Assets$297.44 million
Loans$251.12 million
Deposits$262.12 million
Equity Capital$29.64 million
Loan Loss Allowance$5.81 million
Unbacked Noncurrent Loans$5.47 million
Real Estate Owned$200,000
Historic Data - March 2013
Assets$246.85 million
Equity Capital$20.89 million
Loan Loss Allowance$3.91 million
Unbacked Noncurrent Loans$5.47 million
Real Estate Owned$1.02 million
Profit Margin - Quarterly
Net Interest Margin4.76%
Return on Assets3.43%
Return on Equity34.55%
Interest Income$3.68 million

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Noah Bank Locations
Flushing Branch154-08 Northern Blvd.Flushing, NY 11354
Fort Lee Branch1550 Lemoine AvenueFort Lee, NJ 7024
Manhattan Branch38 W. 32nd Street, Suite 1100New York, NY 10001
Palisades Park Branch449 Broad AvenuePalisades Park, NJ 7650
Noah Bank7301 Old York RdElkins Park, PA 19027