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624 Willowbrook Lane
West Chester, PA 19382

Stonebridge Bank is headquartered in West Chester and is the 144th largest bank in the state of Pennsylvania. It is also the 3,502nd largest bank in the nation. It was established in 1999 and as of June of 2014, it had grown to 31 employees at 5 locations. Stonebridge Bank has a C health rating.

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Reviews (4)

Customer Since 2001. No Complaints.

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.

I Would Never Do Business With This Bank Again

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 that they lower their rating on this institution. 

HORRIBLE Customer Service

Don't waste your time with these people. The branch manager is an incredibly rude man. I called him with a simple question and he YELLED at me, and before he HUNG UP on me he informed me I should take my business to Wells Fargo. Which I did. And I am much happier now.

Bad Banking

The bank has deteriorated over the time we have used them which is close to 5 years. Financial status appears very unstable. Bill pay which used to happen is now taking almost 2 weeks during which time I think they are using our funds for their own purposes.


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 Stonebridge Bank had $8.18 million in non-current loans and owned real-estate with $10.5 million in equity and loan loss allowances on hand to cover it. This gives Stonebridge Bank a Texas Ratio of 77.84% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Stonebridge Bank decreased dramatically from 132.84% as of June 30, 2013 to 77.84% as of June 30, 2014, resulting in a positive change of 41.40%.This indicates that the balance sheet and financial strength for Stonebridge Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Stonebridge Bank has decreased its total deposits by -$30.73 million, resulting in -17.6% 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.



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 $163.7 million in assets with $10.5 million in equity, resulting in a capitalization level of 6.42%, which is below average.

Institution Statistics

FDIC Certificate #35077
Year Established1999
Primary RegulatorFDIC
Assets and Liabilities
Assets$163.70 million
Loans$105.74 million
Deposits$143.87 million
Equity Capital$9.18 million
Loan Loss Allowance$1.32 million
Unbacked Noncurrent Loans$3.15 million
Real Estate Owned$5.03 million
Historic Data - June 2013
Assets$195.60 million
Equity Capital$10.52 million
Loan Loss Allowance$2.60 million
Unbacked Noncurrent Loans$3.15 million
Real Estate Owned$7.83 million
Profit Margin - Quarterly
Return on Assets0.21%
Return on Equity4.3%
Interest Income$3.12 million

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Stonebridge Bank Savings Account Rates

0.25%--Statement Savings Account

Stonebridge Bank Money Market Rates

0.25%--Premier Money Market Account
0.25%$100-Dot Org Money Market
0.15%$50k-Business Money Market
0.05%--Stonebridge Money Market

Stonebridge Bank Checking Account Rates

0.05%--Interest Checking
0.05%--Dot Org Checking
0.05%--Sole Proprietorship Checking

Stonebridge Bank CD Rates

0.95%$500-60 Month CD
0.95%$500-Business 60 Month CD
0.90%$500-36 Month CD
0.90%$500-Business 36 Month CD
0.75%$500-24 Month CD
0.75%$500-Business 24 Month CD
0.67%$500-18 Month CD
0.67%$500-Business 18 Month CD
0.60%$500-12 Month CD
0.60%$500-Business 12 Month CD
0.40%$500-6 Month CD
0.40%$500-Business 6 Month CD

Stonebridge Bank IRA Rates

0.95%$500-60 Month IRA
0.90%$500-36 Month IRA
0.75%$500-24 Month IRA
0.67%$500-18 Month IRA
0.60%$500-12 Month IRA
0.40%$500-6 Month IRA

Stonebridge Bank Locations
Warminster Branch319 East Street RoadWarminster, PA 18974
West Chester Office Branch624 Willowbrook LaneWest Chester, PA 19382
Stonebridge Bank624 Willowbrook LaneWest Chester, PA 19382
Customer Service Center Branch624 Willowbrook LaneWest Chester, PA 19382
Blue Bell Branch721 Skippack PikeBlue Bell, PA 19422