Total Assets
$442M
Total balance-sheet footings
FDIC Cert #12985 · Elderton, Pennsylvania · Est. 1919
Elderton State Bank - FDIC Bank Health Profile
A community-scale look at Elderton State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $442M
- Total assets
- A
- Health grade · Excellent
- 1.43%
- Return on assets
- 12.1%
- Tier 1 capital
Data updated July 2026
The verdict
Elderton State Bank earns a PlainBankData health grade of A (86/100), with well-capitalized at 12.09% Tier 1, profitable at 1.43% ROA, efficient (49% cost ratio).
- #1,951
- largest of 4,313 FDIC banks by assets
- 55th
- percentile by asset size, nationally
- 12.09%
- Tier 1 ratio - above the 10% well-capitalized line
- 71st
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Elderton State Bank's 86/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Elderton State Bank's composite health score
Tier 1 Capital Ratio (12.09%) 35/40
Return on Assets (ROA) (1.43%) 20/25
Texas Ratio (7.82%) 16/20
Efficiency Ratio (49.35%) 15/15
86 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$345M
Customer-funded liabilities
Net Loans
$363M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Elderton State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Elderton State Bank's score of 86/100 falls in the highlighted band.
Elderton State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Elderton State Bank's $442M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.09%
Texas Ratio
7.82%
Equity Capital
$52M
Profitability metrics
Return on Assets (ROA)
71st percentile nationally
1.43%
Return on Equity (ROE)
11.93%
Efficiency Ratio
49.35%
What the numbers say about Elderton State Bank
Elderton State Bank is an FDIC-insured institution (Certificate #12985) headquartered in Elderton, Pennsylvania, established in 1919. It holds $442M in total assets - 1,951st of 4,313 FDIC-insured banks, $345M in customer deposits, and $363M in net loans. Looking at capital strength, Tier 1 stands at 12.09%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 7.82%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (86/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Pennsylvania, Elderton State Bank ranks 74th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$24M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Elderton State Bank reports a Texas Ratio of 7.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Elderton State Bank (FDIC Cert #12985) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Elderton State Bank's health grade?▼
Elderton State Bank receives a health grade of A (86/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Elderton State Bank?▼
Elderton State Bank holds $442M in total assets and $345M in deposits, ranking 1,951st of 4,313 FDIC-insured banks by asset size. It is headquartered in Elderton, Pennsylvania.
Is my money safe at Elderton State Bank?▼
Yes, deposits at Elderton State Bank (Certificate #12985) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Elderton State Bank's Tier 1 Capital Ratio?▼
Elderton State Bank has a Tier 1 Capital Ratio of 12.09%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Elderton State Bank?▼
Elderton State Bank has a Texas Ratio of 7.82%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Elderton State Bank?▼
Elderton State Bank has an Efficiency Ratio of 49.35%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Elderton State Bank's profile as a depositor or analyst.
- Elderton State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Elderton State Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.