The Luzerne Bank
Luzerne, PA
IDRSSD: 501815
Total Assets
$722.24M
Latest filing
Total Deposits
$582.30M
Latest filing
Net Interest Margin
3.55%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1907 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 18709 |
| State and County Number | 42079 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Scranton--Wilkes-Barre, PA |
Operational Info
| Number of Employees | 62 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/25/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 7586 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $722.24M |
| Total Deposits | $582.30M |
| Total Liabilities | $652.64M |
| Total Equity Capital | $69.59M |
| Net Income | $2.21M |
| Net Loans and Leases | $547.84M |
| Assets Per Employee ($Millions) | $11.65M |
| Bank Premises and Fixed Assets | $8.65M |
| Cash and Balances due from Depository Institutions | $14.48M |
| Deposits Held in Domestic Offices | $582.30M |
Key Performance Ratios
| Return on Assets (ROA) | 1.23% |
| Return on Equity (ROE) | 12.74% |
| Net Interest Margin | 3.55% |
| Efficiency Ratio | 54.15% |
| Tier 1 Risk-Based Capital Ratio | 10.588% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.636% |
| Earning Assets to total Assets | 91.55% |
Income and Expense
| Total Interest Income | $9.40M |
| Total Noninterest Income | $520.00k |
| Total Interest Expense | $3.58M |
| Total Noninterest Expense | $3.43M |
| Net Interest Income | $5.82M |
| Pre-tax Net Operating Income | $2.76M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $158.00k |
| Other borrowed funds | $55.99M |
| Federal Funds Sold & Reverse Repurchase Agreement | $70.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $14.35M |
| Total Liabilities and Capital | $722.24M |
Securities
| Securities | $38.68M |
| Available-for-sale debt securities | $38.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Luzerne Bank?
$722.24M as of the latest filing.
How much are The Luzerne Bank's total deposits?
$582.30M in total deposits.
Where is The Luzerne Bank located?
Luzerne, PA.
What is the Net Interest Margin?
3.55%.
How many domestic offices does it operate?
8.
When was it established?
01/01/1907.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$547.84M (latest filing).
What is the total interest income (latest filing)?
$9.40M.