Elderton State Bank (FDIC certificate #12985) is based in Elderton, Pennsylvania. Its Q2 2026 call report shows $465.2M in total assets and $359.6M in deposits and 3 offices.
Elderton State Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 110 banks headquartered in Pennsylvania, it ranks 30th. Problem-loan coverage contributes the most (90/100, 5.0%); funding & liquidity contributes the least (51/100, 108% loans-to-deposits, 16% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (68 → 74), mostly because the loan quality component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 66 |
| Q2 2025 | 68 |
| Q3 2025 | 72 |
| Q4 2025 | 68 |
| Q1 2026 | 76 |
| Q2 2026 | 74 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.50% |
| Q3 2024 | 12.68% |
| Q4 2024 | 12.61% |
| Q1 2025 | 12.64% |
| Q2 2025 | 12.26% |
| Q3 2025 | 12.33% |
| Q4 2025 | 12.09% |
| Q1 2026 | 12.18% |
| Q2 2026 | 12.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.51% |
| Q3 2024 | 1.60% |
| Q4 2024 | 1.52% |
| Q1 2025 | 1.73% |
| Q2 2025 | 1.24% |
| Q3 2025 | 0.85% |
| Q4 2025 | 1.20% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.76% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.02% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.18% |
| Q1 2025 | 1.50% |
| Q2 2025 | 1.35% |
| Q3 2025 | 1.46% |
| Q4 2025 | 1.43% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $465.2M | 12.09% | 0.76% | 1.66% | 108.1% |
| Q1 2026 | 76 | $452.1M | 12.18% | 0.71% | 1.74% | 105.6% |
| Q4 2025 | 68 | $441.7M | 12.09% | 1.20% | 1.43% | 105.4% |
| Q3 2025 | 72 | $426.1M | 12.33% | 0.85% | 1.46% | 105.4% |
| Q2 2025 | 68 | $417.8M | 12.26% | 1.24% | 1.35% | 103.6% |
| Q1 2025 | 66 | $407.7M | 12.64% | 1.73% | 1.50% | 101.5% |
| Q4 2024 | 65 | $389.6M | 12.61% | 1.52% | 1.18% | 100.7% |
| Q3 2024 | 65 | $383.6M | 12.68% | 1.60% | 1.14% | 99.5% |
| Q2 2024 | 64 | $378.1M | 12.50% | 1.51% | 1.02% | 101.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| United Savings BankBank Philadelphia, PA | 89 out of 100, Very strong | $460.6M | 17.4% | 0.00% | vs |
| The Neffs National BankBank Neffs, PA | 87 out of 100, Very strong | $470.8M | 16.8% | 0.04% | vs |
| Community State Bank of OrbisoniaBank Orbisonia, PA | 66 out of 100, Moderate | $473.5M | 10.0% | 0.49% | vs |
| Hometown Bank of PennsylvaniaBank Bedford, PA | 59 out of 100, Moderate | $453.9M | 8.3% | 1.07% | vs |
| SSB BankBank Pittsburgh, PA | 50 out of 100, Below average | $430.4M | 7.7% | 1.64% | vs |
| Ambler Savings BankBank Ambler, PA | 79 out of 100, Strong | $502.3M | 14.3% | 0.31% | vs |
Deposit insurance
Is my money safe at Elderton State Bank?
Yes. Elderton State Bank is an FDIC-insured institution (FDIC certificate #12985). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.0% of deposits ($57.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Elderton State Bank lists 3 offices in 3 cities. Most locations:
- Elderton, PA (1)
- North Apollo, PA (1)
- Rural Valley, PA (1)
HMDA 2025
Mortgage lending
In 2025, Elderton State Bank reported 188 home-loan applications under HMDA (LEI 254900FK0S1L00V2UL14): 152 originated ($30,670,000 total), 26 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Elderton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12985
- RSSD ID
- 282824
- Primary regulator
- FDIC
- Holding company
- Keystrong Financial Inc
- Established
- October 1, 1919
- Headquarters
- 143 N Main St, Elderton, PA 15736
- Website
- www.eldertonbank.com
- Employees
- 55
Quick answers
Elderton State Bank: common questions
Is Elderton State Bank FDIC insured?
Yes. Elderton State Bank is an FDIC-insured institution (FDIC certificate #12985). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Elderton State Bank's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Elderton State Bank ever failed?
There is no failure record for FDIC certificate #12985 in the FDIC failed bank list.
How many branches does Elderton State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elderton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Moonlight Federal Credit UnionCredit union Worthington, PA | 94 out of 100, Very strong | $53.6M | 17.9% | 0.06% | vs |
| Armstrong Co. Federal Emp. Federal Credit UnionCredit union Kittanning, PA | 84 out of 100, Strong | $17.6M | 15.4% | 0.64% | vs |
| Avh Federal Credit UnionCredit union Natrona Heights, PA | 80 out of 100, Strong | $4.4M | 37.7% | 0.85% | vs |
| Alleg-Kiski Postal Federal Credit UnionCredit union New Kensington, PA | 78 out of 100, Strong | $19.5M | 19.0% | 1.84% | vs |
| Armstrong Associates Federal Credit UnionCredit union Ford City, PA | 75 out of 100, Strong | $82.3M | 12.3% | 0.57% | vs |
| Century Heritage Federal Credit UnionCredit union Pittsburgh, PA | 72 out of 100, Strong | $289.5M | 11.5% | 0.75% | vs |