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Overview / Commentary
4785 Old William Penn Highway
Murrysville, PA 15668

Standard Bank, PaSB is headquartered in Murrysville and is the 82nd largest bank in the state of Pennsylvania. It is also the 1,549th largest bank in the nation. It was established in 1921 and as of March of 2014, it had grown to 86 employees at 11 locations. Standard Bank, PaSB's savings rates are 35% higher than the national average, and it has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 Standard Bank, PaSB had $2.61 million in non-current loans and owned real-estate with $74.97 million in equity and loan loss allowances on hand to cover it. This gives Standard Bank, PaSB a Texas Ratio of 3.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Standard Bank, PaSB decreased dramatically from 5.48% as of March 31, 2013 to 3.48% as of March 31, 2014, resulting in a positive change of 36.46%.This indicates that the balance sheet and financial strength for Standard Bank, PaSB has improved dramatically in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Standard Bank, PaSB has decreased its total deposits by $-417,000, resulting in -0.13% 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 Standard Bank, PaSB has shown is average.

Capitalization

GRADE:
A+

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. Standard Bank, PaSB has $433.81 million in assets with $74.97 million in equity, resulting in a capitalization level of 17.28%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #27757
Year Established1921
Employees86
Primary RegulatorFDIC
Assets and Liabilities
Assets$433.81 million
Loans$290.29 million
Deposits$325.67 million
Equity Capital$70.70 million
Loan Loss Allowance$4.26 million
Unbacked Noncurrent Loans$1.55 million
Real Estate Owned$1.06 million
Historic Data - March 2013
Assets$435.62 million
Equity Capital$68.83 million
Loan Loss Allowance$4.07 million
Unbacked Noncurrent Loans$1.55 million
Real Estate Owned$1.25 million
Profit Margin - Quarterly
Net Interest Margin2.92%
Return on Assets0.75%
Return on Equity4.65%
Interest Income$3.78 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Standard Bank, PaSB, we are a rate comparison website and can not provide official rates or promotions.

Standard Bank, PaSB Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.70%-$20kNavigator Savings - Preferred Class Relationship Account
0.20%-$20kNavigator Savings - First Class Relationship Account
0.12%$50k-Premium Statement Savings
0.10%$10k-Super Easy Savings
0.10%--Christmas Club Savings
0.05%$5k-Prime Fund Manager
0.05%$7,500-Special Statement Savings
0.05%$100-Statement Savings
0.05%$100-Navigator Savings - Club Class Relationship Account

Standard Bank, PaSB Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$20k-Preferred Money Market
0.10%$25k-Insured Money Market

Standard Bank, PaSB Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$50k-Navigator Checking
0.12%$50k-Business Navigator Checking

Standard Bank, PaSB CD Rates

DetailsAPYMINMAXPRODUCT
2.10%$1k$20k7 Year Birthday CD w/ Navigator Checking
2.10%$1k$20k10 Year Birthday CD w/ Navigator Checking
2.00%$1k-84 Month CD
2.00%$1k-120 Month CD
1.60%$1k$20k5 Year Birthday CD w/ Navigator Checking
1.50%$1k-60 Month CD
1.40%$1k-60 Month Bounce Up CD (Double Bounce)
1.25%$1k-4 Year Summer Advantage CD Special
1.25%$1k$500k3 Year 101 Year Anniversary CD Special
0.85%$1k$20k4 Year Birthday CD w/ Navigator Checking
0.75%$1k-48 Month CD
0.70%$1k$20k3 Year Birthday CD w/ Navigator Checking
0.60%$1k-36 Month CD
0.50%$1k-30 Month Customer Controlled CD
0.40%$1k-36 Month Bounce Up CD (One Bounce)
0.35%$1k-18 Month Flex CD
0.35%$1k-24 Month CD
0.30%$1k-12 Month CD
0.12%$1k-3 Month CD
0.12%$1k-6 Month CD
0.12%$2,500-10 Month CD

Standard Bank, PaSB IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-84 Month IRA
1.50%$1k-120 Month IRA
1.25%$1k-60 Month IRA
0.60%$1k-48 Month IRA
0.49%$1k-36 Month IRA
0.35%$1k-24 Month IRA
0.30%$1k-12 Month IRA
Locations

Standard Bank, PaSB has 12 locations. Click to view all Standard Bank, PaSB locations.