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Overview / Commentary
3993 Huntingdon Pike
Huntingdon Valley, PA 19006

Polonia Bank is headquartered in Huntingdon Valle and is the 114st largest bank in the state of Pennsylvania. It is also the 2,178th largest bank in the nation. It was established in 1923 and as of June of 2014, it had grown to 77 employees at 5 locations. Polonia Bank has a A health rating.

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Data for Q2 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 June 30, 2014 Polonia Bank had $1.84 million in non-current loans and owned real-estate with $35.73 million in equity and loan loss allowances on hand to cover it. This gives Polonia Bank a Texas Ratio of 5.16% 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 Polonia Bank decreased slightly from 6.04% as of June 30, 2013 to 5.16% as of June 30, 2014, resulting in a positive change of 14.60%.This indicates that the balance sheet and financial strength for Polonia Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Polonia Bank has increased its total deposits by $2.09 million, resulting in 1.04% 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 Polonia Bank has shown is above average.



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. Polonia Bank has $299.79 million in assets with $35.73 million in equity, resulting in a capitalization level of 11.92%, which is excellent.

Institution Statistics

FDIC Certificate #29282
Year Established1923
Primary RegulatorOCC
Assets and Liabilities
Assets$299.79 million
Loans$211.96 million
Deposits$203.14 million
Equity Capital$34.35 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$1.39 million
Real Estate Owned$456,000
Historic Data - June 2013
Assets$277.02 million
Equity Capital$34.47 million
Loan Loss Allowance$1.07 million
Unbacked Noncurrent Loans$1.39 million
Real Estate Owned$129,000
Profit Margin - Quarterly
Return on Assets0.05%
Return on Equity0.43%
Interest Income$5.66 million

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Polonia Bank Savings Account Rates

0.50%$100-IRA Statement Account
0.15%$100-Passbook Account
0.15%$100-Statement Savings

Polonia Bank Money Market Rates

0.40%$100k-Money Market Account

Polonia Bank Checking Account Rates

0.10%$500-Now Checking

Polonia Bank CD Rates

1.60%--60 Month CD
1.45%--54 Month CD
1.30%--48 Month CD
1.15%--42 Month CD
1.00%--36 Month CD
0.90%--30 Month CD
0.70%--24 Month CD
0.55%--18 Month CD
0.40%--12 Month CD
0.25%--6 Month CD

Polonia Bank Locations
Spring Garden Street Branch2133 Spring Garden StreetPhiladelphia, PA 19130
Pulaski Branch2352 Orthodox StreetPhiladelphia, PA 19137
East Allegheny Avenue Branch2646 East Allegheny AvePhiladelphia, PA 19134
Polonia Bank3993 Huntingdon PikeHuntingdon Valley, PA 19006
Richmond Street Branch4800 Richmond StreetPhiladelphia, PA 19137
Frankford Ave Branch8000 Frankford AvePhiladelphia, PA 19136
Torresdale Branch8910 Frankford AvenuePhiladelphia, PA 19136