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1834 Oregon Avenue
Philadelphia, PA 19145

Prudential Savings Bank is headquartered in Philadelphia and is the 70th largest bank in the state of Pennsylvania. It is also the 1,312st largest bank in the nation. It was established in 1886 and as of March of 2014, it had grown to 73 employees at 7 locations. Prudential Savings Bank has a A health rating.

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Anyone Have Mortgage Experience With Prudential Savings Bank In PA?

Hi, I'm planning to get a mortage from Prudential Savings bank because they show the lowest 15yr mortgage rate on at 3% interest. So, I google'd them to find any user reviews but did not find any online. Just wondering if anyone worked with them before. Thanks


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 Prudential Savings Bank had $7.35 million in non-current loans and owned real-estate with $91.86 million in equity and loan loss allowances on hand to cover it. This gives Prudential Savings Bank a Texas Ratio of 8.01% 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 Prudential Savings Bank decreased dramatically from 12.61% as of March 31, 2013 to 8.01% as of March 31, 2014, resulting in a positive change of 36.53%.This indicates that the balance sheet and financial strength for Prudential Savings Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Prudential Savings Bank has decreased its total deposits by $-286,000, resulting in -0.07% 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 Prudential Savings Bank has shown is 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. Prudential Savings Bank has $514.74 million in assets with $91.86 million in equity, resulting in a capitalization level of 17.84%, which is excellent.

Institution Statistics

FDIC Certificate #30011
Year Established1886
Primary RegulatorFDIC
Assets and Liabilities
Assets$514.75 million
Loans$318.56 million
Deposits$417.18 million
Equity Capital$89.47 million
Loan Loss Allowance$2.39 million
Unbacked Noncurrent Loans$6.86 million
Real Estate Owned$489,000
Historic Data - March 2013
Assets$479.08 million
Equity Capital$56.45 million
Loan Loss Allowance$2.51 million
Unbacked Noncurrent Loans$6.86 million
Real Estate Owned$1.26 million
Profit Margin - Quarterly
Net Interest Margin2.53%
Return on Assets0.49%
Return on Equity2.84%
Interest Income$4.08 million
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Prudential Savings Bank CD Rates

1.85%$500-60 Month Certificate
1.00%$500-30 Month Certificate
1.00%$500-36 Month Step-Up Certificate
0.65%$5k-18 Month Certificate Special
0.60%$500-18 Month Certificate
0.55%$5k-12 Month Certificate Special
0.55%$5k-13 Month Certificate Special
0.55%$500-15 Month Certificate
0.50%$500-12 Month Certificate
0.40%$5k-9 Month Certificate Special
0.35%$5k-182 Day Certificate Special
0.35%$500-9 Month Certificate
0.30%$500-182 Day Certificate
0.30%$500-7 Month Certificate
0.25%$500-91 Day Certificate
0.25%$500-110 Day Certificate

Prudential Savings Bank IRA Rates

1.90%$250-60 Month IRA
1.30%$250-48 Month IRA
1.10%$250-30 Month IRA
0.70%$250-18 Month IRA
0.55%$250-12 Month IRA
0.35%$250-182 Day IRA
0.35%$250-7 Month IRA

Prudential Savings Bank Locations
112 South 19th Street Branch112 South 19th StreetPhiladelphia, PA 19103
South Broad Branch1722 South Broad StreetPhiladelphia, PA 19145
Prudential Savings Bank1834 West Oregon AvenuePhiladelphia, PA 19145
South 19th Street Branch2101 South 19th StreetPhiladelphia, PA 19145
Moore At Moyamensing Ave Branch238a Moore StreetPhiladelphia, PA 19148
North Third Street28 N. Third StreetPhiladelphia, PA 19106
Drexel Hill Branch601 Morgan AvenueDrexel Hill, PA 19026