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Overview / Commentary
717-846-1970
109 Leader Heights Road
York, PA 17403

PeoplesBank, a Codorus Valley Company is headquartered in York and is the 26th largest bank in the state of Pennsylvania. It is also the 576th largest bank in the nation. It was established in 1934 and as of December of 2013, it had grown to 229 employees at 26 locations. PeoplesBank, a Codorus Valley Company's money market rates are 25% higher than the national average, and it has a B health rating.

Reviews (1)

2.3% Money Market Does Not Exist

The bank verified that the 2.3% money market rate for over 25k does not exist



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

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 PeoplesBank, a Codorus Valley Company had $18.64 million in non-current loans and owned real-estate with $123.86 million in equity and loan loss allowances on hand to cover it. This gives PeoplesBank, a Codorus Valley Company a Texas Ratio of 15.05% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for PeoplesBank, a Codorus Valley Company increased slightly from 9.76% as of December 31, 2012 to 15.05% as of December 31, 2013, resulting in a negative change of 54.21%. This indicates that the balance sheet and financial strength for PeoplesBank, a Codorus Valley Company has declined slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, PeoplesBank, a Codorus Valley Company has increased its total deposits by $24.1 million, resulting in 2.67% 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 PeoplesBank, a Codorus Valley Company has shown is above average.

Capitalization

GRADE:
B+

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. PeoplesBank, a Codorus Valley Company has $1.15 billion in assets with $123.86 million in equity, resulting in a capitalization level of 10.80%, which is above average.

Institution Statistics

Overall
FDIC Certificate #13879
Year Established1934
Employees229
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.15 billion
Loans$850.97 million
Deposits$927.26 million
Equity Capital$113.89 million
Loan Loss Allowance$9.98 million
Unbacked Noncurrent Loans$14.57 million
Real Estate Owned$4.07 million
Historic Data - December 2012
Assets$1.06 billion
Equity Capital$107.85 million
Loan Loss Allowance$9.30 million
Unbacked Noncurrent Loans$14.57 million
Real Estate Owned$3.63 million
Profit Margin - Quarterly
Net Interest Margin3.74%
Return on Assets1.02%
Return on Equity10.05%
Interest Income$47.05 million
Rates

Always verify rates and promotions with the bank or credit union. We are not PeoplesBank, a Codorus Valley Company, we are a rate comparison website and can not provide official rates or promotions.

PeoplesBank, a Codorus Valley Company Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$25-Statement Savings
0.25%--Maverick Savings
0.05%--Seasons Club

PeoplesBank, a Codorus Valley Company Money Market Rates

DetailsAPYMINMAXPRODUCT
0.55%$75k-Money Market Savings Account
0.55%$1m-Municipal MMDA
0.55%$1m-Business MMDA
0.30%$25k-Ultimate MMDA

PeoplesBank, a Codorus Valley Company Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.07%$25k- Interest DDA Municipal
0.05%$25- Interest Checking
0.05%$25- PrimeTime Checking
0.05%$25- PeoplesPrestige Checking

PeoplesBank, a Codorus Valley Company CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-61-120 Month CD
1.10%$500-56 Month CD Special
1.10%$500-36 Month PeoplesChoice CD Special
1.00%$1k-60 Month Peoples Bump-Up CD Special
0.90%$500-60 Month CD
0.80%$500-10 Month CD Special
0.80%$500-46 Month CD Special
0.80%$1k-36 Month Step-It-Up CD
0.75%$1k-50 Month Peoples Bump-Up CD Special
0.70%$500-35 Month CD Special
0.65%$1k-40 Month Peoples Bump-Up CD Special
0.60%$500-16 Month CD Special
0.60%$500-26 Month CD Special
0.55%$1k-30 Month Peoples Bump-Up CD Special
0.50%$500-48 Month CD
0.45%$500-36 Month CD
0.40%$500-30 Month CD
0.30%$500-24 Month CD
0.25%$500-7 Month CD Special
0.25%$500-18 Month CD
0.20%$100-12 Month CD
0.20%$100-12 Month Youth CD
0.10%$500-6 Month CD
0.05%$500-1 Month CD
0.05%$500-3 Month CD

PeoplesBank, a Codorus Valley Company IRA Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-36 Month PeoplesChoice IRA Special
1.10%$500-56 Month IRA Special
1.00%$1k-60 Month Peoples Bump-Up IRA Special
0.90%$500-60 Month IRA
0.80%$500-10 Month IRA Special
0.80%$500-46 Month IRA Special
0.80%$1k-36 Month Step-It-Up IRA
0.75%$1k-50 Month Peoples Bump-Up IRA Special
0.70%$500-35 Month IRA Special
0.65%$1k-40 Month Peoples Bump-Up IRA Special
0.60%$500-16 Month IRA Special
0.60%$500-26 Month IRA Special
0.55%$1k-30 Month Peoples Bump-Up IRA Special
0.50%$500-48 Month IRA
0.45%$500-36 Month IRA
0.40%$500-30 Month IRA
0.30%$500-24 Month IRA
0.25%$500-7 Month IRA Special
0.25%$500-18 Month IRA
0.20%$100-12 Month IRA
0.20%$100-12 Month Youth IRA
0.10%$500-6 Month IRA
0.05%$500-1 Month IRA
0.05%$500-3 Month IRA
Locations

PeoplesBank, a Codorus Valley Company has 25 locations. Click to view all PeoplesBank, a Codorus Valley Company locations.