Total Assets
$649M
Total balance-sheet footings
FDIC Cert #2359 · Jim Thorpe, Pennsylvania · Est. 1902
Mauch Chunk Trust Company - FDIC Bank Health Profile
A community-scale look at Mauch Chunk Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $649M
- Total assets
- C
- Health grade · Fair
- 0.19%
- Return on assets
- 15.3%
- Tier 1 capital
Data updated July 2026
The verdict
Mauch Chunk Trust Company earns a PlainBankData health grade of C (51/100), with well-capitalized at 15.27% Tier 1, 0.19% ROA, 84% efficiency ratio.
- #1,472
- largest of 4,313 FDIC banks by assets
- 66th
- percentile by asset size, nationally
- 15.27%
- Tier 1 ratio - above the 10% well-capitalized line
- 8th
- 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 Mauch Chunk Trust Company's 51/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Mauch Chunk Trust Company's composite health score
Tier 1 Capital Ratio (15.27%) 40/40
Return on Assets (ROA) (0.19%) 7/25
Texas Ratio (36.49%) 4/20
Efficiency Ratio (84.00%) 0/15
51 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$619M
Customer-funded liabilities
Net Loans
$283M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Mauch Chunk Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mauch Chunk Trust Company's score of 51/100 falls in the highlighted band.
Mauch Chunk Trust Company'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). Mauch Chunk Trust Company's $649M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.27% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.27%
Texas Ratio
36.49%
Equity Capital
$2M
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
0.00%
Efficiency Ratio
84.00%
What the numbers say about Mauch Chunk Trust Company
Mauch Chunk Trust Company is an FDIC-insured institution (Certificate #2359) headquartered in Jim Thorpe, Pennsylvania, established in 1902. It holds $649M in total assets - 1,472nd of 4,313 FDIC-insured banks, $619M in customer deposits, and $283M in net loans. Looking at capital strength, Tier 1 stands at 15.27%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 36.49%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (51/100), 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, Mauch Chunk Trust Company ranks 59th of 112 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$28M
Interest Income
$4M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Mauch Chunk Trust Company reports a Texas Ratio of 36.49% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
36.49% - 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) Mauch Chunk Trust Company (FDIC Cert #2359) - 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 Mauch Chunk Trust Company's health grade?▼
Mauch Chunk Trust Company receives a health grade of C (51/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Mauch Chunk Trust Company?▼
Mauch Chunk Trust Company holds $649M in total assets and $619M in deposits, ranking 1,472nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Jim Thorpe, Pennsylvania.
Is my money safe at Mauch Chunk Trust Company?▼
Yes, deposits at Mauch Chunk Trust Company (Certificate #2359) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Mauch Chunk Trust Company's Tier 1 Capital Ratio?▼
Mauch Chunk Trust Company has a Tier 1 Capital Ratio of 15.27%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Mauch Chunk Trust Company?▼
Mauch Chunk Trust Company has a Texas Ratio of 36.49%. 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 Mauch Chunk Trust Company?▼
Mauch Chunk Trust Company has an Efficiency Ratio of 84.00%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Mauch Chunk Trust Company's profile as a depositor or analyst.
- Mauch Chunk Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Mauch Chunk Trust Company 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.