New Tripoli Bancorp Inc

What New Tripoli Bancorp Inc does

New Tripoli Bancorp, Inc. is the holding company for New Tripoli Bank, a community bank founded in March 1910 in New Tripoli, Pennsylvania, and operating three branch offices (New Tripoli headquarters, Claussville, and Buckeye) across the Lehigh Valley region. The bank serves individual consumers, small-to-medium businesses, and homebuyers with a full horizontal product set: personal checking and savings, money market, CDs, IRAs, credit cards, consumer loans (personal, student, auto, recreational vehicle), residential mortgages (fixed-rate, construction-permanent, HELOCs, home equity, first-time homebuyer programs with a down-payment grant), and commercial offerings (business checking/savings, term loans, commercial mortgages, credit lines, interest-only demand loans). Cash management services for businesses include merchant credit card processing, Remote Deposit Capture, Positive Pay check fraud detection, and ACH origination.

The underlying technology is a standard digital banking platform delivered through web and mobile (iOS/Android) channels, including iOpen for fully online account opening, Card Secure for debit-card controls, and a budgeting tool that categorizes debit-card spending into monthly categories. The platform integrates with Apple Pay, Google Pay, and QuickBooks (via web export and direct connect). The bank is FDIC-insured, holds a 5-Star financial strength rating from Bauer Financial Inc., and is an Equal Housing Lender.

The business model is a traditional spread-and-fee community bank: net interest income on loans funded by deposits, supplemented by transaction-based fees (overdraft at $30, domestic wire $20, foreign wire $40, stop payment $25, debit card replacement $10). Distribution is primarily direct through branches, the digital banking platform, an ATM network, and a telephone banking line. Go-to-market is community-led — local decision-making, in-region event sponsorships (July 4th celebrations, tractor shows, Run the Vineyards 5K), a community financial-education blog, and active social media presence on Facebook, Instagram, X, and LinkedIn. Leadership is led by Chairman David R. Hunsicker, President & CEO John M. Hayes, and EVP/CFO Michele Hunsicker, with a workforce of 51–100 employees. The company is publicly traded on OTCMKTS under ticker NTBP.

Name

New Tripoli Bancorp Inc

Legal name

New Tripoli Bancorp, Inc.

Website

https://newtripolibank.net

Company type

Public

Founded year

1910

Operating status

Operating

Headcount range

51–100 employees

Short description

New Tripoli Bancorp is the holding company for New Tripoli Bank, a community bank founded in 1910 serving individuals, small businesses, and homebuyers in Pennsylvania's Lehigh Valley through three branches and digital banking channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Community banking services
• Personal banking products
• Commercial lending services
• Residential mortgage lending
• Business cash management

Headquarters

HQ city

New Tripoli

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Revenue generated from the spread between interest earned on loans (mortgages, commercial loans, personal loans, auto loans, student loans) and interest paid on deposits (checking, savings, CDs, IRAs)
2. Fee-based Services: Various banking fees including overdraft fees ($30), wire transfer fees (domestic $20, foreign $40), ATM/debit card replacement ($10), account maintenance fees, stop payment fees ($25), and other transaction-based fees
3. Commercial Banking Services: Cash management services, merchant credit card processing, ACH origination, commercial lending, and business credit facilities

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

New Tripoli Bancorp, through its subsidiary New Tripoli Bank, operates as a community bank providing personal deposit accounts, consumer loans, residential mortgages, and business banking products (checking, savings, term loans, commercial mortgages, credit lines, and cash management services) across three Lehigh Valley, Pennsylvania branches and an online/mobile banking platform. Revenue is earned primarily from net interest income on loans and deposits, with additional transaction-based fees.

Product overview

New Tripoli Bank operates as a community bank offering a comprehensive suite of personal and business banking products. The product portfolio includes personal checking and savings accounts, CDs and IRAs, various loan products (personal loans, student loans, auto loans, credit cards), and residential mortgage products including fixed rate mortgages, construction-permanent loans, HELOCs, and first-time homebuyer programs. Business banking services encompass business checking, savings, term loans, commercial mortgages, commercial credit lines, and cash management tools including merchant credit card processing, Remote Deposit Capture, Positive Pay fraud protection, and ACH origination. Digital banking is delivered through online and mobile platforms with account opening capabilities (iOpen), budgeting tools, QuickBooks integration, and card management features. The bank also provides overdraft protection services and various mortgage calculators for financial planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Non-interest-bearing personal checking account with no monthly maintenance fee, no minimum balance requirement, unlimited check writing, free online banking, eStatements, overdraft protection, one free order of branded checks per year, and foreign ATM surcharge reimbursements up to $7.00 per month. Designed for individual consumers.
• Personal Savings & Money Market Personal savings and money market deposit accounts offering competitive interest rates with FDIC insurance protection, designed for individual customers seeking to grow savings.
• Personal CDs & IRAs Certificates of Deposit and Individual Retirement Accounts with various term options. Promotional rates include 3.65% APY on a 182-day CD and 3.30% APY on a 13-month CD with $500 minimum deposit. For individual savers.
• Personal Loans Installment loans for personal use including debt consolidation, major purchases, and unexpected expenses with fixed repayment terms. For individual borrowers.
• Student Loans Education financing products to help students and families fund higher education expenses.
• Auto & Recreational Vehicle Loans Financing for new or used vehicles including automobiles, boats, motorcycles, and other recreational vehicles.
• Credit Cards Credit card products for personal banking customers with various rewards and benefit programs.
• Fixed Rate Mortgage Traditional home mortgage loans with fixed interest rates for consistent monthly payments throughout the loan term. For homebuyers and homeowners.
• Construction-Permanent Loan Combined construction and permanent financing that transitions from the building phase to a traditional mortgage without requiring separate loans. For homeowners building a new home.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity allowing borrowers to access funds as needed up to a predetermined limit.
• Home Equity Loans Lump-sum loans secured by home equity with fixed interest rates for home improvements, debt consolidation, or major expenses.
• First-Time Homebuyers Program Specialized mortgage program designed for first-time homebuyers with potentially favorable terms and guided support through the home purchase process.
• First Front Door Homebuyer Grant Down payment assistance grant program providing funds to help first-time homebuyers with home purchases.
• Business Checking Business checking accounts designed for commercial customers with tools for managing cash flow and day-to-day banking operations.
• Business Savings & Money Market Business deposit accounts with competitive interest rates for holding idle business funds.
• Business Term Loans Business installment loans for equipment purchases, expansion, or other capital needs with fixed repayment schedules.
• Commercial Mortgages Real estate financing for commercial properties including office buildings, retail spaces, and industrial facilities.
• Commercial Credit Lines Revolving credit facilities for businesses to manage seasonal cash flow needs and unexpected expenses.
• Interest-Only Demand Loans Short-term business loans where only interest payments are due during the loan term with principal due at maturity.
• Merchant Credit Card Processing Payment processing services enabling businesses to accept credit and debit card transactions from customers.
• Remote Deposit Capture Electronic check deposit service allowing business customers to scan and deposit checks remotely using a computer or mobile device.
• Positive Pay Fraud detection service for business checking accounts that matches presented checks against issued-check records to identify potentially fraudulent transactions.
• ACH Origination Electronic funds transfer service allowing businesses to send and receive payments through the Automated Clearing House network.
• Online Banking Web-based digital banking platform providing account access, fund transfers, bill payment, eStatements, budgeting tools, person-to-person and scheduled transfers, account alerts, and QuickBooks export functionality.
• Mobile Banking Smartphone and tablet banking application for iOS and Android devices enabling account access, mobile deposits, transfers, and transaction monitoring on the go.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

One partnership is on record.

• CemarkminorOthersNew Tripoli Bank works in association with Cemark to provide financial literacy resources to local schools around the Lehigh Valley. This is part of the bank's community outreach and financial education initiatives, particularly for Financial Literacy Month.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• ESSA Bancorp: Pennsylvania-based community bank holding company of similar small scale, offering personal and business banking, mortgages, and wealth services. Closely matched on size, product breadth, and community-bank positioning.
• Penns Woods Bancorp: PA community bank holding company operating Jersey Shore State Bank and Luzerne Bank. Comparable small-cap, community-focused model with consumer/commercial lending and mortgage products in rural/small-metro PA markets.
• S&T Bancorp: Indiana, PA-based community bank holding company with a similar personal/business/mortgage product suite across western and central Pennsylvania. Comparable community-bank DNA, though larger in scale.
• Univest Financial Corporation: PA-headquartered community bank holding company operating Univest Bank and Trust Co. across southeastern PA including the Lehigh Valley. Directly comparable in footprint, product mix (consumer + commercial + mortgage), and community-bank go-to-market.
• First Commonwealth Financial: Indiana, PA-based bank holding company operating First Commonwealth Bank, with consumer and commercial banking, mortgage, and treasury management products across PA — a regional analog of the New Tripoli business model.

Regional players

• Tompkins Financial: NY-headquartered community bank holding company operating Tompkins Community Bank with adjacent consumer/commercial banking offerings. Comparable community-bank playbook, though anchored in upstate NY and not directly competing in Lehigh Valley.

Broad incumbents

• F.N.B. Corporation: Large PA-headquartered regional bank holding company with a full suite of consumer, commercial, mortgage, and wealth products across PA and neighboring states. Competes directly with New Tripoli in the Lehigh Valley but at materially greater scale and geographic reach.
• Citizens Financial Group: Large regional bank with a significant PA branch network and full consumer/commercial/mortgage offering. Competes with New Tripoli for both retail deposits and SME lending in the Lehigh Valley, with much larger product breadth and digital capabilities.
• Bank of America: National bank with extensive PA retail and digital banking presence, including mobile-first account opening and Zelle-based P2P. Represents the large-incumbent benchmark New Tripoli competes with on convenience and digital UX.
• Wells Fargo: National bank with deep retail and commercial presence across PA. Sets the competitive floor on rates, digital experience, and product breadth that New Tripoli must differentiate against via local service.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/newtripolibank
• Facebookfacebook.com/newtripbank
• LinkedInlinkedin.com/company/new-tripoli-bank
• Instagraminstagram.com/newtripolibank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about New Tripoli Bancorp Inc