2.5 star ratingAverage User Rating:
2.5 star rating based on 2 reviews.

Stonebridge Bank

Stonebridge Bank Locations
629 North Pottstown Pike
Exton, PA 19341
(800) 807-1666
www.stonebridgebank.com

FDIC

Stonebridge Bank is headquartered in Exton and is the 129th largest bank in the state of Pennsylvania. It is also the 2,774th largest bank in the nation. It was established in 1999 and as of December of 2012, it had grown to 37 employees at 7 locations. Stonebridge Bank has a 1-star health rating.

Stonebridge Bank Routing Number: 031918569

Related Posts

Competitive 21-Month CD at Stonebridge Bank in PA - Available Nationwide - 2/8/2010

Stonebridge Bank has a new 21-month CD special with a 2.30% APY. There's also a special 14-month CD with a 1.80% APY. Minimum deposit is $500. These are also available in an IRA. These rates are list ...

2.14% 14-Month CD at Stonebridge Bank in PA - Nationally Available - 9/15/2009

Stonebridge Bank has a new 14-month CD special with a 2.14% APY. Minimum deposit is $500. This is also available in an IRA. This rate is listed in the bank's Certificate of Deposit Page as of 9/15/09.My last post on this bank was in November 2008 when it...

4.25% 14-Month / 4.00% 9-Month CD at Stonebridge Bank in PA - Nationally Available - 11/27/2008

Update 11/29/08: The CD rates have fallen. The 14-month and 9-month APY is now 3.95%. Refer to the bank's website for the latest rates.Stonebridge Bank has a new 14-month CD special with an APY of 4.25%. The bank continues to offer a 4.00% APY 9-month...

4.00% 9-Month CD at Stonebridge Bank - Nationally Available - 8/1/2008

Stonebridge Bank is offering a 4.00% APY 9-month CD. The minimum deposit is $500. It's also available in an IRA. More details are available in the bank's Certificate of Deposit Page.There's an online application, and according to this FAQ page, people...


We are currently reviewing the rates for Stonebridge Bank for accuracy. Please check back in a few hours.

Data for Q4 2012


Institution Statistics


Stonebridge Bank
FDIC Certificate #35077
BankRate ReportView
Year Established1999
Employees37
Primary RegulatorFDIC

Assets and Liabilities

Assets$229.95 million
Loans$149.21 million
Deposits$206.46 million
Equity Capital$12.68 million
Loan Loss Allowance$3.34 million
Unbacked Noncurrent Loans$11.36 million
Real Estate Owned$10.64 million

Historic Data - December 2011

Assets$300.67 million
Equity Capital$14.79 million
Loan Loss Allowance$7.75 million
Unbacked Noncurrent Loans$21.37 million
Real Estate Owned$12.43 million

Profit Margin - Quarterly

Net Interest Margin3.51%
Return on Assets-0.66%
Return on Equity-12.94%
Interest Income$11.53 million

Institution Health


Overall Score:
1 out of 5
1
Texas Ratio1
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, 2012 Stonebridge Bank had $22 million in non-current loans and owned real-estate with $16.02 million in equity and loan loss allowances on hand to cover it. This gives Stonebridge Bank a Texas Ratio of 137.34% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Stonebridge Bank held steady from 149.94% as of December 31, 2011 to 137.34% as of December 31, 2012, resulting in a positive change of 8.40%.This indicates that the balance sheet and financial strength for Stonebridge Bank has held steady in recent periods.
Deposit Growth1
In the past year, Stonebridge Bank has decreased its total deposits by -$48.26 million, resulting in -18.95% 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 Stonebridge Bank has shown is poor.
Capitalization2
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. Stonebridge Bank has $229.95 million in assets with $16.02 million in equity, resulting in a capitalization level of 6.97%, which is below average.
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Customer Since 2001. No Complaints.
4 stars - begood - Wednesday, November 23, 2011 - 5:41 AM

Customer since 2001. No complaints. Customer service is reliable. Issues are resolved quickly. No ATM fees – not even for foreign currency transactions. Reliable bill payments. Customer to customer transfers online supported. Your choice of ATM or Debit card (or both). I really hope this bank pulls through the recession.

4

I Would Never Do Business With This Bank Again
1 stars - Anonymous - Wednesday, March 24, 2010 - 4:48 PM

I would never do business with this Bank again.  They hide behind fine print and are out to cheat the consumer.  When a CD matured on a weekend and the following Monday was a holiday, they only paid interest through the maturity date, yet they kept the proceeds for an additional 3 days.  When dealing with other banks, I have found that they pay interest for such a period.  I believe Stonebridge will not exist in 5 years and suggest potential depositors find other institutions.  I have suggested to Bankrate.com that they lower their rating on this institution. 

3
 
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