County Savings Bank Mortgage Rates, Fees & Info
Tinicum Township, PALEI: 549300HP3G6D4BYR6V26
Tax ID: 23-0562235
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Mortgage Data
Bank Data
Review & Overview
County Savings Bank is a smaller bank specializing in various types of mortgages.We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.23% | 4/5/25 |
| 30 Year Conventional Refi | 6.08% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
County Savings Bank Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
0Origination Dollar Volume (All Markets)
$0Employee count
19Similar Lenders
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Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| County Savings Bank | 10 Powhattan Ave Essington, PA 19029 | Full Service B&M | $53,897 |
| County Savings Bank | 201 Milmont Avenue Milmont Park, PA 19033 | Full Service B&M | $35,847 |
| County Savings Bank | 412 Wanamaker Ave. Essington, PA 19029 | Limited, Administrative | $0 |
For 2021, County Savings Bank had 3 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $2,561 |
| Net interest income | $2,423 |
| Total noninterest income | $149 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $145 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $4 |
| Pre-tax net operating income | $183 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $147 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $147 |
| Minority interest net income | $0 |
| Net income | $147 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $147 |
County Savings Bank's gross interest income from loans was $2,561,000.
County Savings Bank's net interest income from loans was $2,423,000.
County Savings Bank's fee based income from loans was $145,000.
County Savings Bank's net income from loans was $147,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $138 |
| Provision for credit losses | $-86 |
| Total noninterest expense | $2,475 |
| Salaries and employee benefits | $1,496 |
| Premises and equipment expense | $192 |
| Additional noninterest expense | $787 |
| Applicable income taxes | $36 |
| Net charge-offs | $-86 |
| Cash dividends | $0 |
County Savings Bank's interest expense for loans was $138,000.
County Savings Bank's payroll and benefits expense were $1,496,000.
County Savings Bank's property, plant and equipment expenses $192,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $93,085 |
| Deposits held in domestic offices | $93,085 |
| Deposits by Individuals, partnerships, and corporations | $74,140 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $18,945 |
| Deposits by Commercial banks and other depository institutions in U.S. | $0 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $27,565 |
| Demand deposits | $15,711 |
| Nontransaction accounts | $65,520 |
| Money market deposit accounts (MMDAs) | $22,168 |
| Other savings deposits (excluding MMDAs) | $29,329 |
| Total time deposits | $14,023 |
| Total time and savings deposits | $77,374 |
| Noninterest-bearing deposits | $12,503 |
| Interest-bearing deposits | $80,582 |
| Retail deposits | $92,426 |
| IRAs and Keogh plan accounts | $5,162 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $99,995 |
| Cash & Balances due from depository institutions | $32,800 |
| Interest-bearing balances | $32,347 |
| Total securities | $18,331 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $45,562 |
| Loan and leases loss allowance | $377 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,365 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,937 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $99,995 |
| Total Liabilities | $93,626 |
| Total deposits | $93,085 |
| Interest-bearing deposits | $80,582 |
| Deposits held in domestic offices | $93,085 |
| % insured (estimated) | $77 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $541 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $45,562 |
| Loan and leases loss allowance | $377 |
| Total loans and leases (domestic) | $45,939 |
| All real estate loans | $45,882 |
| Real estate loans in domestic offices | $45,882 |
| Construction and development loans | $0 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $0 |
| Loans secured by nonfarm nonresidential properties | $5,393 |
| Nonfarm nonresidential secured by owner-occupied properties | $3,531 |
| Commercial real estate & other non-farm, non-residential | $1,862 |
| Multifamily residential real estate | $1,845 |
| 1-4 family residential loans | $38,644 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $0 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $57 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $44 |
| Other loans to individuals | $13 |
| All other loans & leases | $0 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $0 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $102 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
County Savings Bank had $45,562,000 of loans outstanding in 2021. $45,882,000 of loans were in real estate loans. $0 of loans were in development loans. $1,845,000 of loans were in multifamily mortgage loans. $38,644,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $44,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 24 | $5,393 | $224,708 |
| Nonfarm, nonresidential loans - <$100k | 5 | $207 | $41,400 |
| Nonfarm, nonresidential loans - $100-250k | 7 | $1,080 | $154,286 |
| Nonfarm, nonresidential loans - $250k-1MM | 12 | $4,106 | $342,167 |