Presence Bank
Coatesville, PA
IDRSSD: 660570
Total Assets
$452.56M
Latest filing
Total Deposits
$355.04M
Latest filing
Net Interest Margin
3.05%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Presence Bank
185 E Lincoln Hwy
Coatesville, PA 19320
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1919FDIC Certificate 42919
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Presence Bank (Main) | 185 E Lincoln Hwy | Coatesville, PA |
| NEW HOLLAND BRANCH | 695 W Main St | New Holland, PA |
| OXFORD BRANCH | 24 S 3rd Street | Oxford, PA |
| GEORGETOWN ROAD BRANCH | 1099 Georgetown Rd | Christiana, PA |
Showing 3 of 3
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 | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 01/01/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 19320 |
| State and County Number | 42029 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 03 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.presencebank.com |
| Data Updated | 11/14/2025 |
| CERT | 30085 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $452.56M |
| Total Deposits | $355.04M |
| Total Liabilities | $407.36M |
| Total Equity Capital | $45.20M |
| Net Income | $955.00k |
| Net Loans and Leases | $352.05M |
| Assets Per Employee ($Millions) | $12.23M |
| Bank Premises and Fixed Assets | $3.55M |
| Cash and Balances due from Depository Institutions | $46.45M |
| Deposits Held in Domestic Offices | $355.04M |
Key Performance Ratios
| Return on Assets (ROA) | 0.84% |
| Return on Equity (ROE) | 8.58% |
| Net Interest Margin | 3.05% |
| Efficiency Ratio | 66.47% |
| Tier 1 Risk-Based Capital Ratio | 12.593% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.988% |
| Earning Assets to total Assets | 95.95% |
Income and Expense
| Total Interest Income | $6.24M |
| Total Noninterest Income | $235.00k |
| Total Interest Expense | $2.90M |
| Total Noninterest Expense | $2.38M |
| Net Interest Income | $3.34M |
| Pre-tax Net Operating Income | $1.20M |
| Provision for Credit Losses | $-5,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $45.11M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.39M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.21M |
| Total Liabilities and Capital | $452.56M |
Securities
| Securities | $31.04M |
| Available-for-sale debt securities | $30.19M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Presence Bank?
$452.56M as of the latest filing.
How much are Presence Bank's total deposits?
$355.04M in total deposits.
Where is Presence Bank located?
Coatesville, PA.
What is the Net Interest Margin?
3.05%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$352.05M (latest filing).
What is the total interest income (latest filing)?
$6.24M.