Presence Bank
Coatesville, PA
IDRSSD: 660570
Total Assets
$455.99M
Latest filing
Total Deposits
$358.99M
Latest filing
Net Interest Margin
3.06%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
231372028COATESVILLE, PA
Key People
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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 | Institution closed or not insured by FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
Operational Info
| Number of Employees | 37 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/05/2026 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 30085 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $455.99M |
| Total Deposits | $358.99M |
| Total Liabilities | $413.34M |
| Total Equity Capital | $42.66M |
| Net Income | $-2,902,000 |
| Net Loans and Leases | $351.60M |
| Assets Per Employee ($Millions) | $12M |
| Bank Premises and Fixed Assets | $3.12M |
| Cash and Balances due from Depository Institutions | $38.74M |
| Deposits Held in Domestic Offices | $358.99M |
Key Performance Ratios
| Return on Assets (ROA) | -2.56% |
| Return on Equity (ROE) | -26.43% |
| Net Interest Margin | 3.06% |
| Efficiency Ratio | 224.08% |
| Tier 1 Risk-Based Capital Ratio | 11.717% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.354% |
| Earning Assets to total Assets | 95.63% |
Income and Expense
| Total Interest Income | $6.25M |
| Total Noninterest Income | $-130,000 |
| Total Interest Expense | $2.92M |
| Total Noninterest Expense | $7.16M |
| Net Interest Income | $3.32M |
| Pre-tax Net Operating Income | $-3,865,000 |
| Provision for Credit Losses | $-98,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $43.27M |
| Federal Funds Sold & Reverse Repurchase Agreement | $27.77M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.08M |
| Total Liabilities and Capital | $455.99M |
Securities
| Securities | $18.79M |
| Available-for-sale debt securities | $18.79M |
| 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 Presence Bank?
$455.99M as of the latest filing.
How much are Presence Bank's total deposits?
$358.99M in total deposits.
Where is Presence Bank located?
Coatesville, PA.
What is the Net Interest Margin?
3.06%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
-2.56%.
How much are total loans and leases?
$351.60M (latest filing).
What is the total interest income (latest filing)?
$6.25M.