Presence Bank

Overview / Commentary

www.presencebank.com

610-384-8282

185 East Lincoln Highway
Coatesville, PA 19320

Presence Bank is headquartered in Coatesville and is the 94^th largest bank in the state of Pennsylvania. It is also the 2,209^th largest bank in the nation. It was established in 1919 and as of March of 2022, it had grown to 34 employees at 4 locations. Presence Bank's money market rates are 25% higher than the national average, and it has an A health rating.

View all posts from:

2016

10/11 - Coatesville Savings Bank (PA) Adds CA$H REWARD$ Checking

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Health

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	30085
Year Established	1919
Employees	34
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.34%
Return on Equity - YTD	3.22%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$360.7MM$281.1MM
Loans	Q1 2022vs Q1 2021	$274.6MM$198.9MM
Deposits	Q1 2022vs Q1 2021	$286.1MM$241.1MM
Equity Capital	Q1 2022vs Q1 2021	$34.8MM$21.8MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$3.2MM$2.9MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$1.7MM$2.3MM
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Presence Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$250k^*	-	Business Saving
OTHER TIERS: 0.15% → $2.5k - $150k \| 0.35% → $150k - $250k
0.55%^*	$250k^*	-	Not For Profit Saving
OTHER TIERS: 0.15% → $2.5k - $150k \| 0.35% → $150k - $250k
0.20%^*	$25k^*	-	Prosper Savings
OTHER TIERS: 0.05% → Up to $500 \| 0.10% → $500 - $25k
0.20%^*	$25k^*	-	Prosper Savings IRA
OTHER TIERS: 0.05% → Up to $500 \| 0.10% → $500 - $25k
0.10%	-	-	Prosper Kids Savings

Presence Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$250k^*	-	Prosper Money Market
OTHER TIERS: 0.15% → $2.5k - $150k \| 0.35% → $150k - $250k
0.55%^*	$250k^*	-	Municipal Money Market
OTHER TIERS: 0.15% → $2.5k - $150k \| 0.35% → $150k - $250k

Presence Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%	-	-	IOLTA Checking
0.40%^*	$200k^*	-	Municipal Free Checking
OTHER TIERS: 0.10% → $5k - $100k \| 0.20% → $100k - $150k \| 0.30% → $150k - $200k
0.30%^*	$200k^*	-	Business Gold Checking
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $100k \| 0.20% → $100k - $150k \| 0.25% → $150k - $200k
0.30%^*	$25k^*	-	Not For Profit Free Checking
OTHER TIERS: 0.10% → Up to $100 \| 0.15% → $100 - $500 \| 0.20% → $500 - $25k
0.15%^*	$25k^*	-	Prosper Rewards Checking
OTHER TIERS: 0.10% → $500 - $25k
0.15%^*	$25k^*	-	Prosper Life Checking
OTHER TIERS: 0.10% → $500 - $25k

Presence Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.06%	$250	-	84 Month CD
1.06%	$250	-	84 Month
0.90%	$250	-	72 Month CD
0.90%	$250	-	72 Month
0.65%	$250	-	36 Month CD
0.65%	$250	-	48 Month CD
0.65%	$250	-	60 Month CD
0.65%	$250	-	36 Month
0.65%	$250	-	48 Month
0.65%	$250	-	60 Month
0.35%	$250	-	30 Month CD
0.35%	$250	-	30 Month
0.30%	$250	-	24 Month CD
0.30%	$250	-	24 Month
0.25%	$250	-	18 Month CD
0.25%	$250	-	18 Month
0.20%	$250	-	14 Month CD
0.20%	$250	-	14 Month
0.15%	$250	-	12 Month CD
0.15%	$250	-	12 Month
0.10%	$250	-	6 Month CD
0.10%	$250	-	6 Month

Presence Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.06%	$250	-	84 Month IRA
0.90%	$250	-	72 Month IRA
0.65%	$250	-	36 Month IRA
0.65%	$250	-	48 Month IRA
0.65%	$250	-	60 Month IRA
0.35%	$250	-	30 Month IRA
0.30%	$250	-	24 Month IRA
0.25%	$250	-	18 Month IRA
0.20%	$250	-	14 Month IRA
0.15%	$250	-	12 Month IRA
0.10%	$250	-	6 Month IRA

Locations

Presence Bank Locations
Georgetown Road Branch	1099 Georgetown Road	Christiana, PA 17509
Oxford Branch	126 South Third Street	Oxford, PA 19363
Coatesville Savings Bank	185 East Lincoln Highway	Coatesville, PA 19320
New Holland Branch	695 West Main Street	New Holland, PA 17557

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