🏦Bank Scorer

This institution is no longer active

Operations ceased on January 5, 2026. CRA examination history below reflects the period it was active.

PRESENCE BANK

COATESVILLE, PA · Supervised by FDIC

Est. 1919FDIC #30,085RSSD: FDIC-30085
Part ofPB BANKSHARES INC→ View all charters
Needs to Improve Down

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -0.13%

Institution Profile

FDIC BankFind

Address

185 E Lincoln Hwy, COATESVILLE, PA

County

Chester County

Established

January 1, 1919

Total Assets

$456M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

October 1, 2024

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$456M

Total Deposits

$359M

Net Loans

$352M

Net Income

$-586K

ROA

-0.13%

ROE

-1.35%

Risk-Based Capital

12.96%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate7.69%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$363M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243974.36%7.69%
20233494.12%0.00%
202110082%12.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

7 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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