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Overview / Commentary
227 East Main Street
Middleburg, PA 17842

Swineford National Bank is headquartered in Middleburg and is the 117st largest bank in the state of Pennsylvania. It is also the 2,222nd largest bank in the nation. It was established in 1903 and as of March of 2014, it had grown to 57 employees at 7 locations. Swineford National Bank has a A health rating.

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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 Swineford National Bank had $1.7 million in non-current loans and owned real-estate with $36.44 million in equity and loan loss allowances on hand to cover it. This gives Swineford National Bank a Texas Ratio of 4.67% 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 Swineford National Bank decreased dramatically from 6.90% as of March 31, 2013 to 4.67% as of March 31, 2014, resulting in a positive change of 32.42%.This indicates that the balance sheet and financial strength for Swineford National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Swineford National Bank has increased its total deposits by $1.24 million, resulting in 0.5% 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 Swineford National Bank has shown is above 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. Swineford National Bank has $292.28 million in assets with $36.44 million in equity, resulting in a capitalization level of 12.47%, which is excellent.

Institution Statistics

FDIC Certificate #7774
Year Established1903
Primary RegulatorOCC
Assets and Liabilities
Assets$292.28 million
Loans$201.27 million
Deposits$247.07 million
Equity Capital$32.38 million
Loan Loss Allowance$4.07 million
Unbacked Noncurrent Loans$1.70 million
Real Estate Owned$0
Historic Data - March 2013
Assets$294.86 million
Equity Capital$32.42 million
Loan Loss Allowance$3.46 million
Unbacked Noncurrent Loans$1.70 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.46%
Return on Assets0.91%
Return on Equity8.34%
Interest Income$2.61 million
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Swineford National Bank Money Market Rates

0.20%$100k-Platinum Money Market
0.05%$1k-Money Market Account

Swineford National Bank CD Rates

2.00%$2k-5 Year Promo Relationship Banking CD
1.75%$2k-4 Year Promo Relationship Banking CD
1.40%$2k-3 Year Bump-Up Promo Relationship Banking CD
0.75%$1k-3 Year CD
0.45%$1k-2 Year CD
0.45%$1k-30 Month CD
0.20%$2,500-12 Month Variable Rate CD
0.15%$1k-9 Month CD
0.15%$1k-1 Year CD
0.15%$1k-18 Month CD
0.15%$1k-9 Month No Penalty CD
0.10%$1k-3 Month CD
0.10%$1k-6 Month CD

Swineford National Bank IRA Rates

2.00%$2k-5 Year Promo Relationship Banking IRA
1.75%$2k-4 Year Promo Relationship Banking IRA
1.40%$2k-3 Year Bump-Up Promo Relationship Banking IRA
0.75%$1k-3 Year IRA
0.45%$1k-2 Year IRA
0.45%$1k-30 Month IRA
0.20%$2,500-12 Month Variable Rate IRA
0.15%$1k-9 Month IRA
0.15%$1k-1 Year IRA
0.15%$1k-18 Month IRA
0.15%$1k-9 Month No Penalty IRA
0.10%$1k-3 Month IRA
0.10%$1k-6 Month IRA

Swineford National Bank Locations
Hummels Wharf1255 North Susquehanna TrailHummels Wharf, PA 17831
Beaver Springs Branch19680 Route 522Beaver Springs, PA 17812
Swineford National Bank227 East Main StreetMiddleburg, PA 17842
Mifflinburg Branch32 East Chestnut StreetMifflinburg, PA 17844
Lewisburg Branch70 International DriveLewisburg, PA 17837
Sunbury Market Street Branch835 North Fourth StreetSunbury, PA 17801
Mt. Pleasant Mills Branch8413 Route 104Mount Pleasant Mills, PA 17853