TellerScore

Kish Bank (FDIC certificate #14969) is based in Belleville, Pennsylvania. Its Q2 2026 call report shows $2.1B in total assets and $1.5B in deposits and 19 offices.

Kish Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 86th. Problem-loan coverage contributes the most (89/100, 5.4%); funding & liquidity contributes the least (27/100, 117% loans-to-deposits, 36% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.92%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.57%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity27/100
Loans ÷ deposits and uninsured-deposit share: 116.5% · 35.6% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.42%

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 fell 5 points (63 → 58), mostly because the loan quality component weakened by 18 points.

TellerScore
586265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202464
Q1 202564
Q2 202563
Q3 202564
Q4 202564
Q1 202659
Q2 202658
Tier 1 leverage ratio
5.00%7.03%9.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.00%
Q3 20249.00%
Q4 20249.02%
Q1 20259.06%
Q2 20258.91%
Q3 20258.92%
Q4 20258.84%
Q1 20268.88%
Q2 20268.92%
Noncurrent loans
0.03%0.31%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.06%
Q4 20240.05%
Q1 20250.04%
Q2 20250.03%
Q3 20250.04%
Q4 20250.04%
Q1 20260.60%
Q2 20260.57%
Return on assets
0.92%1.05%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.98%
Q4 20241.02%
Q1 20250.95%
Q2 20250.96%
Q3 20251.04%
Q4 20251.10%
Q1 20261.16%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$2.1B8.92%0.57%1.18%116.5%
Q1 202659$2.0B8.88%0.60%1.16%112.1%
Q4 202564$2.0B8.84%0.04%1.10%114.0%
Q3 202564$1.9B8.92%0.04%1.04%117.6%
Q2 202563$1.8B8.91%0.03%0.96%113.6%
Q1 202564$1.8B9.06%0.04%0.95%114.2%
Q4 202464$1.7B9.02%0.05%1.02%108.6%
Q3 202464$1.7B9.00%0.06%0.98%105.3%
Q2 202465$1.6B9.00%0.05%0.92%103.2%

897 peers · $1 billion – $10 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).

Capital ratio8.92%
11th
Total risk-based capital10.87%
25th
Problem loans0.57%
46th
Net charge-offs0.03%
53rd
Return on assets1.18%
44th
Net interest margin3.56%
41st
Efficiency ratio61.3%
43rd
Loans to deposits116.5%
3rd
Uninsured deposits35.6%
37th
Loan-loss reserves0.70%
10th
Texas ratio5.4%
35th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Bird-in-HandBank Bird In Hand, PA68 out of 100, Moderate$1.9B9.8%0.19%vs
Embassy Bank for the Lehigh ValleyBank Bethlehem, PA66 out of 100, Moderate$1.9B8.8%0.05%vs
Farmers and Merchants Trust Company of ChambersburgBank Chambersburg, PA60 out of 100, Moderate$2.3B8.8%1.10%vs
QNB BankBank Quakertown, PA63 out of 100, Moderate$2.4B9.8%0.61%vs
The Ephrata National BankBank Ephrata, PA67 out of 100, Moderate$2.4B9.6%0.54%vs
Somerset Trust CompanyBank Somerset, PA55 out of 100, Moderate$2.5B9.1%1.49%vs

Deposit insurance

Is my money safe at Kish Bank?

Yes. Kish Bank is an FDIC-insured institution (FDIC certificate #14969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.6% of deposits ($540.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.92%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.87% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Kish Bank lists 17 offices in 12 cities. Most locations:

  • State College, PA (4)
  • Lewistown, PA (2)
  • Mifflintown, PA (2)
  • Allensville, PA (1)
  • Altoona, PA (1)
  • Bellefonte, PA (1)
  • Belleville, PA (1)
  • Huntingdon, PA (1)
  • Mcveytown, PA (1)
  • Mill Creek, PA (1)
  • Petersburg, PA (1)
  • Reedsville, PA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kish Bank reported 898 home-loan applications under HMDA (LEI 549300RIR04Y64SF4306): 774 originated ($220,240,000 total), 63 denied, and 57 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, 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
Kish Bank
Former names
The Kishacoquillas Valley National Bank of Belleville
Type
State-chartered bank
FDIC certificate #
14969
RSSD ID
600419
Primary regulator
FDIC
Holding company
Kish Bcorp Inc
Established
January 1, 1927
Headquarters
4255 E Main St, Belleville, PA 17004
Employees
285

Quick answers

Kish Bank: common questions

Is Kish Bank FDIC insured?

Yes. Kish Bank is an FDIC-insured institution (FDIC certificate #14969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Kish Bank's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Kish Bank ever failed?

There is no failure record for FDIC certificate #14969 in the FDIC failed bank list.

How many branches does Kish Bank have?

19 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Belleville

InstitutionScoreAssetsCapitalProblem loansCompare
Penn State Federal Credit UnionCredit union Bellefonte, PA93 out of 100, Very strong$274.4M14.0%0.33%vs
The Bank of LandisburgBank Landisburg, PA80 out of 100, Strong$417.1M17.0%1.61%vs
MCS BankBank Milroy, PA73 out of 100, Strong$224.7M11.7%0.36%vs
First Area Federal Credit UnionCredit union Lewistown, PA71 out of 100, Strong$29.9M10.1%1.15%vs
The Juniata Valley BankBank Mifflintown, PA70 out of 100, Strong$917.9M8.6%0.05%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs