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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Fleetwood, PA · FDIC certificate #13561
FLEETWOOD BANK is an FDIC-insured institution based in Fleetwood, PA (FDIC certificate #13561). In its Q3 2026 Call Report it reported total assets of $413M, total deposits of $378M and net loans of $243M. Its primary federal regulator is FED.
Plain-language readout
FLEETWOOD BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $416M in Q2 2026 and were lowest at $399M in Q1 2026.
Total deposits were highest at $381M in Q2 2026 and lowest at $365M in Q1 2026.
Over the whole period total assets rose 3.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $413M | $378M | $243M | 0.91% | 12.89% | 3.74% |
| Q2 2026 | $416M | $381M | $243M | 0.80% | 11.46% | 3.64% |
| Q1 2026 | $399M | $365M | $235M | 0.67% | 9.57% | 3.55% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $17.1M | $11.7M | +$5.5M | +46.7% |
| Federal funds sold | $4.6M | $8.5M | -$3.9M | -46.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $132.7M | $124.6M | +$8.1M | +6.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $242.6M | $235.3M | +$7.3M | +3.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.9M | $5.8M | +$103K | +1.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $39K | $43K | -$4K | -9.3% |
| All other assets | $12.7M | $12.7M | -$84K | -0.7% |
| Total assets | $415.6M | $398.7M | +$16.9M | +4.2% |
| Liabilities | ||||
| Total deposits | $381.1M | $365.0M | +$16.2M | +4.4% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $3.0M | $3.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.3M | $2.4M | -$92K | -3.9% |
| Total liabilities | $386.4M | $370.3M | +$16.1M | +4.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $525K | $525K | $0K | 0.0% |
| Surplus | $539K | $539K | $0K | 0.0% |
| Retained earnings | $30.9M | $30.1M | +$807K | +2.7% |
| Accumulated other comprehensive income | -$2.8M | -$2.8M | +$30K | +1.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.2M | $28.3M | +$837K | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.4M | $1.4M | -$23K | -1.6% |
| Adjusted nonperforming assets | $1.4M | $1.4M | -$23K | -1.6% |
| Tangible equity plus allowance | $32.1M | $31.3M | +$856K | +2.7% |
| Texas ratio (gross) | 4.29% | 4.48% | -0.19 pts | See points |
| Texas ratio (adjusted) | 4.29% | 4.48% | -0.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.31% | 4.48% | -0.17 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.90% | 13.05% | -0.15 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.90% | 13.05% | -0.15 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.20% | 1.24% | -0.04 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.10% | 14.30% | -0.19 pts | See points |
| Tier 1 leverage (approximate) | 7.77% | 7.78% | -0.01 pts | See points |
| Construction and land loans to total capital | 33.69% | 28.11% | +5.58 pts | See points |
| Commercial real estate to total capital | 136.17% | 119.99% | +16.18 pts | See points |
| Dividend payout, year to date | 18.59% | 22.62% | -4.03 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -19.31% | -20.97% | +1.66 pts | See points |
| Liquidity | ||||
| Core deposits | $378.5M | $362.6M | +$15.9M | +4.4% |
| Non-core funding | $5.6M | $5.4M | +$263K | +4.9% |
| Loans to core deposits | 64.89% | 65.72% | -0.83 pts | See points |
| Loans to deposits | 64.44% | 65.30% | -0.85 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 12.25% | 17.15% | -4.90 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $5.6M | $5.4M | +$263K | +4.9% |
| Earnings | ||||
| Earnings before provision, year to date | $2.1M | $896K | +$1.2M | +139.1% |
| Earnings before provision, single quarter | $1.2M | $896K | +$350K | +39.1% |
| Provision for credit losses, year to date | $30K | $15K | +$15K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.73% | 5.68% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 2.57% | 2.06% | +0.51 pts | See points |
| Total interest income to average assets | 4.22% | 4.11% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.10% | 0.10% | +0.01 pts | See points |
| Cost of savings and money market deposits | 1.05% | 1.13% | -0.09 pts | See points |
| Cost of time deposits | 1.70% | 1.72% | -0.03 pts | See points |
| Total interest expense to average assets | 0.70% | 0.78% | -0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $413M | $378M | $243M | 0.91% | 12.89% | 3.74% |
| 2026-06-30 | $416M | $381M | $243M | 0.80% | 11.46% | 3.64% |
| 2026-03-31 | $399M | $365M | $235M | 0.67% | 9.57% | 3.55% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| PA | $363.6M | 0.06% | 96 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.