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Overview / Commentary
215-242-3550
7226 Germantown Avenue
Philadelphia, PA 19119

Valley Green Bank is headquartered in Philadelphia and is the 92nd largest bank in the state of Pennsylvania. It is also the 1,833rd largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 51 employees at 5 locations. Valley Green Bank has a A health rating.

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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, 2013 Valley Green Bank had $923,000 in non-current loans and owned real-estate with $34.09 million in equity and loan loss allowances on hand to cover it. This gives Valley Green Bank a Texas Ratio of 2.71% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Valley Green Bank decreased dramatically from 4.07% as of December 31, 2012 to 2.71% as of December 31, 2013, resulting in a positive change of 33.43%.This indicates that the balance sheet and financial strength for Valley Green Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Valley Green Bank has increased its total deposits by $55.97 million, resulting in 20.81% 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 Valley Green Bank 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. Valley Green Bank has $357.32 million in assets with $34.09 million in equity, resulting in a capitalization level of 9.54%, which is above average.

Institution Statistics

Overall
FDIC Certificate #58084
Year Established2005
Employees51
Primary RegulatorFDIC
Assets and Liabilities
Assets$357.32 million
Loans$320.54 million
Deposits$324.96 million
Equity Capital$31.24 million
Loan Loss Allowance$2.85 million
Unbacked Noncurrent Loans$378,000
Real Estate Owned$545,000
Historic Data - December 2012
Assets$295.81 million
Equity Capital$25.59 million
Loan Loss Allowance$2.32 million
Unbacked Noncurrent Loans$378,000
Real Estate Owned$123,000
Profit Margin - Quarterly
Net Interest Margin5.1%
Return on Assets1.43%
Return on Equity15.79%
Interest Income$17.75 million
Rates
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Valley Green Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-36 Month CD
1.75%$500-48 Month CD
1.75%$500-60 Month CD
1.50%$500-24 Month CD
1.20%$500-18 Month CD
0.70%$500-12 Month CD
0.50%$500-180-364 Day CD
0.35%$500-90-179 Day CD
0.25%$500-30-59 Day CD
0.25%$500-60-89 Day CD

Valley Green Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-36 Month IRA (Traditional,Roth,CESA)
1.75%$500-48 Month IRA (Traditional,Roth,CESA)
1.75%$500-60 Month IRA (Traditional,Roth,CESA)
1.50%$500-24 Month IRA (Traditional,Roth,CESA)
1.20%$500-18 Month IRA (Traditional,Roth,CESA)
0.70%$500-12 Month IRA (Traditional,Roth,CESA)
0.50%$500-180-364 Day IRA (Traditional,Roth,CESA)
0.35%$500-90-179 Day IRA (Traditional,Roth,CESA)
0.25%$500-30-59 Day IRA (Traditional,Roth,CESA)
0.25%$500-60-89 Day IRA (Traditional,Roth,CESA)
Locations


Valley Green Bank Locations
Delaware Valley Loan Production Branch100 Matsonford Road Ste 312Radnor, PA 19087
Broad and Tasker Branch1536 S Broad StreetPhiladelphia, PA 19146
Center City Loan Production Branch2000 Market St Ste 700Philadelphia, PA 19103
Chestnut Hill Branch23 W Highland AvenuePhiladelphia, PA 19118
Valley Green Bank7226 Germantown AvenuePhiladelphia, PA 19119