Kish Bank

Headquarters

4255 E Main St
Belleville, PA 17004
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Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 4.80% →
2-Year CD N.A. 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Kish Bank is an FDIC insured institution located in Belleville, PA. It was founded in 1927 and has approximately $1.61 billion in assets. Customers can open an account at one of its 14 branches.

FDIC Insured Yes
FDIC Certificate # 14969
Date Established 1927
Assets $ 1,611.21 million
Loans $ 1,313.16 million
Deposits $ 1,272.74 million
Capital $ 132.85 million
 

For a more detailed analysis of Kish Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 23, 2024

Your Current Location: Ohio, OH 43085

Checking Rates APY MIN FEE
Expect More Checking 0.10% $0 $5.00 Learn MoreShow Less

Loan Rates - November 23, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Kish Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
7.225% 7.125%
1.00 points
$3,200 fees
$2,156 Learn More
FHAloans.com
NMLS ID: Not a Lender

points
fees
Learn More
Neighbors Bank
NMLS ID: 491986

points
fees
Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR 7.240 %
After Intro: 7.240 %
$0 Learn More
More Info

Note to Kish Bank
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Branches

Kish Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

Kish Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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Financial Details

Kish Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kish Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Kish Bank U.S. Bank Average
0.45% 4.48%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2024, Kish Bank had $641,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $132,854,000 in equity and $8,086,000 in loans loss reserves. That gives it a Texas Ratio of 0.45%.

Return on Equity
Kish Bank U.S. Bank Average
11.2% 10.46%

Kish Bank has a Return on Equity of 11.2% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Kish Bank U.S. Bank Average
8.25% 10.84%

Kish Bank has a Capitalization of 8.25% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Kish Bank Balance Sheet Analysis

As of June 30, 2024, Kish Bank had assets of $1,611,208,000, loans of $1,313,163,000, and deposits of $1,272,741,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2024
ASSETS
Cash & Balances due from depository institutions $ 15.53 million
Interest-bearing balances $ 4.64 million
Total securities $ 183.45 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,313.16 million
Loan loss allowance $ 8.09 million
Trading account assets $ 2.40 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 4.14 million
All other assets $ 46.65 million
     Total Assets $ 1,478.35 million
LIABILITIES
Total deposits $ 1,272.74 million
      Interest-bearing deposits $ 1,088.05 million
      Deposits held in domestic offices $ 1,272.74 million
      % insured (estimated) 73.71%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 102.25 million
Subordinated debt N.A.
All other liabilities $ 17.58 million
      Total Liabilities $ 1,478.35 million
      Shareholders’ Equity $ 132.85 million

Summary Income Statement

June 30, 2024
INCOME AND EXPENSES
Total Interest Income $ 43.85 million
Total Interest Expense $ 19.40 million
Net interest income $ 24.45 million
Provision for loan and lease losses $ 0.58 million
Total non interest income $ 5.62 million
Total non interest expense $ 20.65 million
Pre-tax Net Operating Income $ 7.12 million

Bank Loan Profile?

The top three loan types in Kish Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Pennsylvania, Kish Bank has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.92
Multifamily
Mortgages
6.51
Credit Card Loans 0.00
Consumer Auto Loans 0.04
Small Business Loans 5.91
Construction and Development Loans 8.11
Commercial Real Estate 18.88
Commercial and Industrial Loans 9.18
Farm Loans 0.29

Customer Reviews for Kish Bank


  • March 9, 2018 |

    I have a local contracting business and have been in business for over 20 years. When I started my business I did all of my banking personal and business with Kish and recommended that my customers go through Kish for their construction loans. At one time Kish was an outstanding small town bank. But as the years have gone by and they have grown, they are no longer the wonderful bank that they once were. The staff turnover is terrible, you never know the person behind the counter and they don't know you. I moved all of my accounts from Kish over 10 years ago but being that they are a local bank still kept them on the list of banks I would recommend to my customers. But no more. I have a sweet woman who went with them who was an IDEAL lending candidate. They have done nothing but deceive her and change her lending fees every time she spoke to them. She started with around 5K in fees till she closed her loan she had over 10k in fees. Kish has yet to come through on anything that they had told her with the exception of over charging her and changing her closing date....4 TIMES! Because they didn't have what they needed to do done. Not the customer, not me as the builder, not the closing attorney (who was not the one Kish tried to push her to use), Kish bank did not have their job done. It has cost this sweet woman time, money and a lot of unneeded stress. I feel like a 300K loan is a significant amount. But apparently anything under half a mil is not worth their best effort. They are NOT friendly and NOT community minded. They are KISH minded. If it is good for them they do it and everyone else is just an inconvenience. And if you still want to go there make sure to avoid one of their VPs: C. Shope. She smiles and says all the right things until you are too far in to turn around, then she becomes rude, cold and unprofessional. Good Luck. They only have 1/2 star because there is no ZERO star option.


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