Standard Bank, PaSB

4785 Old William Penn Highway
Murrysville, PA 15668
www.standardbankpa.com

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Standard Bank, PaSB is headquartered in Murrysville and is the 82^nd largest bank in the state of Pennsylvania. It is also the 1,531^st largest bank in the nation. It was established in 1921 and as of March of 2013, it had grown to 92 employees at 12 locations. Standard Bank, PaSB's savings rates are 2X the national average, and it boasts a 5-star health rating.

Standard Bank Deals Are Not Available To Most People (Forum) - 8/9/2011

Called Standard Bank for the great CD rates. Their website, as things turned out, is misleading. Their offerings are strictly "local only". Trouble is, they don't bother to mention that little detail anywhere on their website . . . at least they

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See Rates for: Checking | Savings | Money Market | CD | IRA

Standard Bank, PaSB Checking Account Rates

Apy	Min	Max	Product
0.15%^†	$50k	-	Business Basic Checking
0.15%^†	$50k	-	Classic Checking
0.15%	$50k	-	Navigator Checking

Standard Bank, PaSB Savings Account Rates

Apy	Min	Max	Product
1.15%	-	$20k	Navigator Savings - Preferred Class Relationship Account
0.65%	-	$20k	Navigator Savings - First Class Relationship Account
0.15%^†	$50k	-	Premium Statement Savings
0.15%^†	$10k	-	Super Easy Savings
0.10%^†	$50k	-	Prime Fund Manager
0.10%^†	-	-	Christmas Club Savings
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

Apy	Min	Max	Product
0.15%^†	$20k	-	Preferred Money Market
0.15%^†	$25k	-	Insured Money Market

Standard Bank, PaSB CD Rates

Apy	Min	Max	Product
2.00%^†	$1k	-	120 Month CD
1.50%^†	$1k	-	84 Month CD
1.15%^†	$1k	-	60 Month CD
1.01%^†	$1k	-	60 Month Bounce Up CD (Double Bounce)
0.60%^†	$1k	-	48 Month CD
0.50%^†	$1k	-	36 Month CD
0.50%^†	$1k	-	30 Month Customer Controlled CD
0.40%^†	$1k	-	18 Month Flex CD
0.40%^†	$1k	-	24 Month CD
0.35%^†	$1k	-	12 Month CD
0.30%^†	$1k	-	36 Month Bounce Up CD (One Bounce)
0.15%^†	$1k	-	3 Month CD
0.15%^†	$1k	-	6 Month CD
0.15%^†	$2,500	-	10 Month CD

Standard Bank, PaSB IRA Rates

Apy	Min	Max	Product
1.35%^†	$1k	-	120 Month IRA
1.01%^†	$1k	-	84 Month IRA
0.90%^†	$1k	-	60 Month IRA
0.35%^†	$1k	-	48 Month IRA
0.30%^†	$1k	-	36 Month IRA
0.20%^†	$1k	-	24 Month IRA
0.15%^†	$1k	-	12 Month IRA

Rates updated: 6/18/2013

Data for Q1 2013

Institution Statistics

Standard Bank, PaSB
FDIC Certificate #	27757
BankRate Report	View
Year Established	1921
Employees	92
Primary Regulator	FDIC
Assets and Liabilities
Assets	$435.62 million
Loans	$283.97 million
Deposits	$326.09 million
Equity Capital	$68.83 million
Loan Loss Allowance	$4.07 million
Unbacked Noncurrent Loans	$2.75 million
Real Estate Owned	$1.25 million
Historic Data - March 2012
Assets	$448.73 million
Equity Capital	$65.34 million
Loan Loss Allowance	$4.27 million
Unbacked Noncurrent Loans	$4.40 million
Real Estate Owned	$790,000
Profit Margin - Quarterly
Net Interest Margin	2.96%
Return on Assets	0.74%
Return on Equity	4.7%
Interest Income	$3.99 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
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 March 31, 2013 Standard Bank, PaSB had $3.99 million in non-current loans and owned real-estate with $72.91 million in equity and loan loss allowances on hand to cover it. This gives Standard Bank, PaSB a Texas Ratio of 5.48% 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 Standard Bank, PaSB decreased slightly from 7.45% as of March 31, 2012 to 5.48% as of March 31, 2013, resulting in a positive change of 26.51%.This indicates that the balance sheet and financial strength for Standard Bank, PaSB has improved slightly in recent periods.
Deposit Growth
In the past year, Standard Bank, PaSB has decreased its total deposits by -$5.39 million, resulting in -1.63% 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 below average.
Capitalization
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 $435.62 million in assets with $72.91 million in equity, resulting in a capitalization level of 16.74%, which is excellent.