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877-862-9270
612 Main Street
Emlenton, PA 16373

The Farmers National Bank of Emlenton is headquartered in Emlenton and is the 68th largest bank in the state of Pennsylvania. It is also the 1,266th largest bank in the nation. It was established in 1900 and as of March of 2014, it had grown to 116 employees at 13 locations. The Farmers National Bank of Emlenton has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

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 The Farmers National Bank of Emlenton had $6.08 million in non-current loans and owned real-estate with $51.35 million in equity and loan loss allowances on hand to cover it. This gives The Farmers National Bank of Emlenton a Texas Ratio of 11.84% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for The Farmers National Bank of Emlenton decreased slightly from 13.77% as of March 31, 2013 to 11.84% as of March 31, 2014, resulting in a positive change of 14.04%.This indicates that the balance sheet and financial strength for The Farmers National Bank of Emlenton has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, The Farmers National Bank of Emlenton has increased its total deposits by $29.97 million, resulting in 6.85% 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 The Farmers National Bank of Emlenton has shown is excellent.

Capitalization

GRADE:
B

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. The Farmers National Bank of Emlenton has $533.32 million in assets with $51.35 million in equity, resulting in a capitalization level of 9.63%, which is above average.

Institution Statistics

Overall
FDIC Certificate #7875
Year Established1900
Employees116
Primary RegulatorOCC
Assets and Liabilities
Assets$533.32 million
Loans$346.29 million
Deposits$467.29 million
Equity Capital$46.43 million
Loan Loss Allowance$4.92 million
Unbacked Noncurrent Loans$6.00 million
Real Estate Owned$80,000
Historic Data - March 2013
Assets$512.45 million
Equity Capital$50.30 million
Loan Loss Allowance$5.49 million
Unbacked Noncurrent Loans$6.00 million
Real Estate Owned$203,000
Profit Margin - Quarterly
Net Interest Margin3.29%
Return on Assets0.7%
Return on Equity8.01%
Interest Income$4.74 million
Rates

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The Farmers National Bank of Emlenton Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Business Statement Saving Account
0.10%$25k-Personal Statement Saving Account

The Farmers National Bank of Emlenton Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$50k-Personal Money Market Account
0.15%$100k-Business Money Market Account

The Farmers National Bank of Emlenton Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$250k-Business Select Checking Account
0.05%$50k-Personal Select Checking Account

The Farmers National Bank of Emlenton CD Rates

DetailsAPYMINMAXPRODUCT
1.30%--84 Month CD
1.15%--72 Month CD
0.80%--60 Month CD
0.60%--48 Month CD
0.35%--36 Month CD
0.30%--30 Month CD
0.25%--24 Month CD
0.20%--18 Month CD
0.15%--12 Month CD

The Farmers National Bank of Emlenton IRA Rates

DetailsAPYMINMAXPRODUCT
1.30%--84 Month IRA
1.15%--72 Month IRA
0.80%--60 Month IRA
0.60%--48 Month IRA
0.35%--36 Month IRA
0.30%--30 Month IRA
0.25%--24 Month IRA
0.20%--18 Month IRA
0.15%--12 Month IRA
Locations

The Farmers National Bank of Emlenton has 13 locations. Click to view all The Farmers National Bank of Emlenton locations.