# PRESENCE BANK
COATESVILLE, PA · FDIC certificate 30085 · asset band $300M-1B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $456.0M | |
| Deposits | $359.0M | |
| Loans and leases | $356.0M | |
| Total equity | $42.7M | |
| Loans / deposits | 97.94% (p87 of band) | 81.53% |
| Liquid assets / assets | 18.71% (p28 of band) | |
| Uninsured deposits / deposits | 15.97% (p17 of band) | 25.77% |
| Brokered deposits | 2.46% | |
| Wholesale funding | 11.95% (p81 of band) | |
| FHLB advances / assets | 9.17% | |
| Tier 1 leverage | 9.18% (p19 of band) | 10.58% |
| Unrealized securities loss / equity | 1.37% (p99 of band) | -7.83% |
| AOCI / equity | 1.80% (p27 of band) | |
| ROA (annualized) | -0.13% (p2 of band) | 1.16% |
| Net interest margin | 2.96% (p13 of band) | 3.74% |
| Efficiency ratio | 107.02% (p99 of band) | |
| Noncurrent loans | 0.24% (p40 of band) | 0.37% |
| Net charge-offs (annualized) | -0.02% (p4 of band) | |
| Reserve coverage of noncurrent | 523.65% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 12.01% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $2.0M (5% of equity) (p94 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | wholesale funding >15%, leverage <7%, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 4 |  | losing money, expense ratio p90 |
| 2012-03 | 3 |  | wholesale funding >15% |
| 2012-06 | 4 | capital falling |  |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 3 | loans exceed deposits | leverage <7% |
| 2013-03 | 2 |  | loans exceed deposits |
| 2013-06 | 4 | leverage <7%, capital falling |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 | loans exceed deposits | leverage <7%, capital falling |
| 2014-03 | 2 |  | NIM <2.5% |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | wholesale funding >15% |  |
| 2015-03 | 3 | losing money, expense ratio p90 | loans exceed deposits, wholesale funding >15% |
| 2015-06 | 1 |  | losing money, expense ratio p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | noncurrent p90 |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 5 | loans exceed deposits, charge-offs p90, deposits shrinking |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 |  | charge-offs p90 |
| 2018-12 | 5 | charge-offs p90 |  |
| 2019-03 | 3 |  | deposits shrinking, charge-offs p90 |
| 2019-06 | 2 | capital falling | noncurrent p90, loans exceed deposits |
| 2019-09 | 2 | loans exceed deposits | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | loans exceed deposits |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | losing money, expense ratio p90 | reserve under noncurrent |
| 2021-03 | 1 |  | losing money, expense ratio p90 |
| 2021-06 | 3 | expense ratio p90, NIM <2.5% |  |
| 2021-09 | 1 |  | capital falling, NIM <2.5% |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 2 | loans exceed deposits |  |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 0 |  | loans exceed deposits, uninsured deposits leaving, capital falling |
| 2024-03 | 1 | NIM <2.5% |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 0 |  | NIM <2.5%, capital falling |
| 2024-12 | 1 | wholesale funding >15% |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | wholesale funding >15% |
| 2025-09 | 1 | uninsured deposits leaving |  |
| 2025-12 | 2 | losing money, expense ratio p90 | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-26 [Wayne Bank owner acquires PB Bankshares - Scranton Times-Tribune](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQUZ3a0stODltTFh2aDVRajZGNG5kZDcyRmp6SElhQUstSzVxR25kdDZMc0J2Qml6cUxnRmtwYUVGdkI2Z05tczlINVBLWVotRDYtaUNrZXdleTY5NXprMlhHTmZOanpBdnhKMDFkOHFwVWdPY25pdFE1ajUwc28wLVdQdUwxS1cxaTZhUVBn?oc=5) · Scranton Times-Tribune
- 2026-01-05 [Coatesville's Presence Bank, founded more than 100 years ago, sells for $55M - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxOaVhQM2Fudko5RTBRSjNKLVhRM0NyOF9aUDBRNldvVkVSRFI0TmR2Sjhja0ROUkRxdGdMU3U5dUs4VTkzUGNXaUxidUdyb21vV0ttb1BWWmVxTUdIRU1UZmVVOFRCNFlza1lRcS03QkZBREtMZnRaRmNTbGthYTBMNmhVY0c4dV85S003MXNXeFJYZkNkbWhz?oc=5) · The Business Journals
- 2026-01-07 [Coatesville’s Last Remaining Bank Acquired for $55 Million - VISTA.Today](https://news.google.com/rss/articles/CBMic0FVX3lxTFB2VEhRTkNOaDA2QlB1UXpLVGFVcDJmdGR4cVJjVnhhYWNndmlnaWMxYkZRY2NwRm9uSERJTWVmcDd6WWJ2dWlJbUNuTk9BRk9hR3hFc1Z3RnljRzVlaVF0dVZyMU5vRF8tdWY5cjVCWXJrTkE?oc=5) · VISTA.Today
- 2025-10-02 [New video shows suspect wanted for robbing Presence Bank in Oxford, Chester County - 6abc Philadelphia](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPV0RnWGZxYU5YeUxKLVkyWVNDUks0MjM0VlpiNGo1QkRHWmx5dWV1MGk1eUNFRVZvRThYZENTRThWa1czdWdlZW94bG5CWGREWW1remZZNFZhc2pxZXNWQlI1VUNPYTNBdXNoYzBwUWFDWlpuNG56NjMtbXp5WGJULThDMU1BWmZzWDRqcDR1ckJla2dudTRtamJQa1BXenk4NGRQWHRWeE9Md9IBrwFBVV95cUxPbEEzcnNZNEZjYXpUVEhpRFY3SXhfOVNEdHEwamVIb2NmRjl0ejJ3U1JpN0RyN202bllaTlFUZElHbUxrQVpQc1ZWT3lqV1lKYXd5aHBhQXdrZDRnYU5PaXhOOXhNbUZHLWNtbWJTTmdpbFI0V1M4cXhPVHZQSkxiSE1qNTE4WDhvVWNVZ3NqdnFNMDB3b01fRlFPTkt4TFROdTJzRGg2UVhOdlZQMXdN?oc=5) · 6abc Philadelphia
- 2025-07-10 [Pennsylvania banks to merge in $54.9M deal - Banking Dive](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbC0tTkdnVzJqb1ZWVi00US16QXVJUG9teUtXT0tyYktuWlJnRnFFR1BsZVJzNW14SnpYOTR2R0xQd3FQZFlDUVNveFNpdW9Hc29YZUxBOXVrN2J6dnBaNXZKbXd4Yllwc0YwcVljYUlkU01GSjZJeHExSDFpTHZNNk1LVktWTHdPTTRwX2NrTHNEVmszalRYaW42RQ?oc=5) · Banking Dive
- 2025-07-08 [Pennsylvania’s Norwood Financial and PB Bankshares announce merger - Retail Banker International](https://news.google.com/rss/articles/CBMijwFBVV95cUxPa1ZiMlNmM1FhaWJ4U3VDRk1ic1BvbUFrZG5RUkFTbHY2QTJWczBJbUkxQzZFODQ5dzJRT0NZTE9uZC1MVlpEemlJcjMtdzdSSEFVc242UmxSZkxNcUZrb29rVllaa1pRYTZfUHU4SHdxajF2T08zVG02elgyNmE2UWNxSndWWDBzUGlTOWc3aw?oc=5) · Retail Banker International
- 2025-10-03 [WATCH | Man walks behind counter, steals cash from worker's drawer during PA bank robbery - local21news.com](https://news.google.com/rss/articles/CBMizgJBVV95cUxOa0J0V3c2TDhlcGtXWlQyekJpRmlTNERfZzF4LS1NTDNRUG5icFBsYzhlT3lXbU1PZmNHTXFkWGMwSmhnS25qZXdXd1JzQ0lRMjgwd0ZZRGhBWGQ3U1o1UGFaZ0NTODloR1V0Z0d4a2hwQVJYRDI1bFZ0UU9DSHlZRUktdHlkNWE0R1Z6T1ZPVDM4ZXVfZ0ZrSHlJOGxobEg0VkxNSmRRSDJ2dU01Yml3N2NEaVJoc2toZjdYYWpWeEcxNElKZGc0QnVzdk1LSWxwaW13bFJQWldkSXZyQzdfQjB1eHZybmx3SGVkYmZLWk1PU1Y3cWNTU0NLb3BYcEx5WmFrWDhhd0RZUlVpa0ZpYjgtaDk5NC1jbTlzWDZDeVRGZ0ZZYlhiQndEYXdkR2UwYkFNWlFiWXYzeWh2UUs5eWhuUTNmWmVtTGo3VTVn?oc=5) · local21news.com
- 2025-07-07 [Norwood Financial Corp Extends its Pennsylvania Presence with Strategic Acquisition of PB Bankshares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMijAJBVV95cUxNWFlxYkQ4VGRRLWlVMTgwMTR3cVlZMnFLeGt0aUNQVTZtSFhHUGxFMmEtRV9sQnpTXzUyWUhyMkNfT2l6NjIzbXJXSzFTZHBEWFNBZ1dBdWxnYXM3SVJhZjY0VzRKazYwRUQtbHFsd016blNlcF9nQWkzQnlZdmtKS3NPLXdjQmhJQTBvZVNtdWRVdTVuVXNReGYtTkFNX1NOS2tfd2hKcGpxcm11VVVFMXJTTHRLdG1GcmpVa2JVQjRody1EQmVxQWFlamFfTDd5bUNJemxOdHlVdEN3UUwyNkkwUmEtMV9BcnlFeWRTNE13SUE4S1RnTnBZTDdQSm95WjJMdi1QSFV2ZzVj?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30085 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "30085", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide