Steuben Trust Company
Steuben Trust Company is an FDIC insured institution headquartered at
One Steuben Square, Hornell, NY 14843.
It was founded in
1902 and has approximately $1 billion in assets. Customers can open an account at one of its 14 branches.
Deposit Rates - November 08, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.02% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.20% | $10,000 | Compare |
|
6 Mo CD
|
0.20% | $100,000 | Compare |
|
12 Mo CD
|
0.50% | $10,000 | Compare |
|
12 Mo CD
|
0.50% | $100,000 | Compare |
|
24 Mo CD
|
0.50% | $10,000 | Compare |
|
24 Mo CD
|
0.50% | $100,000 | Compare |
|
36 Mo CD
|
1.01% | $10,000 | Compare |
|
36 Mo CD
|
1.01% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $2,500 | Compare |
|
Money Market
|
0.05% | $10,000 | Compare |
|
Money Market
|
0.05% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.01% | $2,500 |
Loan Rates - November 08, 2025
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
6.79% | $2,810.46 |
|
20 Year Fixed Conforming
|
7.00% | $2,457.96 |
|
30 Year Fixed Conforming
|
7.22% | $2,156.98 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
6.79% | $2,810.46 |
|
20 Year Fixed Conforming
|
7.00% | $2,457.96 |
|
30 Year Fixed Conforming
|
7.22% | $2,156.98 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Pentagon Federal Credit Union
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.25% | Varies | ||
Compare with 0 RATE Line of Credit from Figure Home Equity Line
|
||||
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
|
||||
Compare with 7.25 RATE Line of Credit from Four Leaf Federal Credit Union
|
||||
|
10 Year Loan
|
4.63% | $1,042.66 | ||
|
15 Year Loan
|
4.70% | $775.25 | ||
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
4.35% | $742.00 |
|
4 Year
|
4.35% | $568.40 |
|
5 Year
|
4.35% | $464.37 |
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 12936 |
| Date Established | 1902 |
| Assets | $ 559.60 million |
| Loans | $ 320.39 million |
| Deposits | $ 485.44 million |
| Capital | $ 70.68 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 42.26 million |
| Interest-bearing balances | $ 35.65 million |
| Total securities | $ 181.77 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 320.39 million |
| Loan loss allowance | $ 4.17 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 2.23 million |
| Goodwill and other intangibles | $ 0.18 million |
| All other assets | $ 17.93 million |
| Total Assets | $ 500.19 million |
| LIABILITIES | |
| Total deposits | $ 485.44 million |
| Interest-bearing deposits | $ 355.88 million |
| Deposits held in domestic offices | $ 485.44 million |
| % insured (estimated)" | 65.21% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 8.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 6.75 millionn |
| Total Liabilities | $ 500.19 million |
| Shareholders’ Equity | $ 59.41 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 5.46 million |
| Total Interest Expense | $ 0.58 million |
| Net interest income | $ 4.89 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.97 million |
| Total non interest expense | $ 3.86 million |
| Pre-tax Net Operating Income | $ 2.02 million |
Customer Reviews for Steuben Trust Company
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