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Overview / Commentary
940 High Street
West Milton, PA 17886

West Milton State Bank is headquartered in West Milton and is the 95th largest bank in the state of Pennsylvania. It is also the 1,882nd largest bank in the nation. It was established in 1920 and as of June of 2014, it had grown to 69 employees at 5 locations. West Milton State Bank's money market rates are 14% higher than the national average, and it has a A health rating.

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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 West Milton State Bank had $150,000 in non-current loans and owned real-estate with $37.7 million in equity and loan loss allowances on hand to cover it. This gives West Milton State Bank a Texas Ratio of 0.40% 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 West Milton State Bank decreased dramatically from 0.66% as of June 30, 2013 to 0.40% as of June 30, 2014, resulting in a positive change of 39.42%.This indicates that the balance sheet and financial strength for West Milton State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, West Milton State Bank has increased its total deposits by $2.81 million, resulting in 0.97% 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 West Milton State 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. West Milton State Bank has $348.84 million in assets with $37.7 million in equity, resulting in a capitalization level of 10.81%, which is above average.

Institution Statistics

FDIC Certificate #8421
Year Established1920
Primary RegulatorFDIC
Assets and Liabilities
Assets$348.84 million
Loans$144.09 million
Deposits$292.77 million
Equity Capital$35.70 million
Loan Loss Allowance$2.01 million
Unbacked Noncurrent Loans$150,000
Real Estate Owned$0
Historic Data - June 2013
Assets$328.59 million
Equity Capital$32.07 million
Loan Loss Allowance$2.04 million
Unbacked Noncurrent Loans$150,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.28%
Return on Equity13.14%
Interest Income$6.53 million

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West Milton State Bank Savings Account Rates

0.20%$25k-Statement Savings Account
0.20%--Club Accounts

West Milton State Bank Money Market Rates

0.50%$100k-Market Share Investment Account
0.40%$100k-Money Market Demand Account

West Milton State Bank Checking Account Rates

0.20%$50k-Good Neighbors Account
0.15%$25k-Eagle Advantage Account

West Milton State Bank CD Rates

2.01%$500$100k5 Year CD
1.51%$500$100k4 Year CD
1.00%$500$100k3 Year CD
0.50%$500$100k2 Year CD
0.35%$500$100k1 Year CD
0.25%$500$100k182 Day CD
0.10%$500$100k91 Day CD

West Milton State Bank IRA Rates

2.01%$500$100k5 Year IRA
2.01%$25$100k5 Year CESA
1.51%$500$100k4 Year IRA
1.51%$25$100k4 Year CESA
1.00%$500$100k3 Year IRA
1.00%$25$100k3 Year CESA
0.50%$500$100k2 Year IRA
0.50%$25$100k2 Year CESA
0.35%$100$100k1 Year IRA
0.35%$25$100k1 Year CESA

West Milton State Bank Locations
Watsontown Branch1025 Main StreetWatsontown, PA 17777
Beaver Springs Branch19179 Route 522Beaver Springs, PA 17812
East Buffalo Branch2005 Market StreetLewisburg, PA 17837
West Buffalo Branch40 Hardees DriveMifflinburg, PA 17844
West Milton State Bank940 High StreetWest Milton, PA 17886