New Tripoli Bancorp Inc
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.
- Company typePublic
- Founded1910
- HeadquartersNew Tripoli, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
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.
New Tripoli Bancorp Inc firmographics
Firmographics- 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
New Tripoli Bancorp Inc industry classification
Industry- 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
Where New Tripoli Bancorp Inc is headquartered
LocationHeadquarters
- HQ city
- New Tripoli
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
New Tripoli Bancorp Inc business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- 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)
- 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
- Commercial Banking Services: Cash management services, merchant credit card processing, ACH origination, commercial lending, and business credit facilities
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free Personal Checking |
| Transaction based/ take rate | Monthly | Business Checking |
| Subscription | Annual | Certificate of Deposit Products |
| Transaction based/ take rate | Pay-as-you-go | Overdraft and Service Fees |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels4 records
New Tripoli Bancorp Inc product offering
Product offeringCore 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.
Companies that use New Tripoli Bancorp Inc
Customer profileSegments3 records
Ideal customer profiles3 records
New Tripoli Bancorp Inc technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
New Tripoli Bancorp Inc partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CemarkminorNew 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
New Tripoli Bancorp Inc competitors and assessment
Company assessmentDirect 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
New Tripoli Bancorp Inc social profiles
Digital presenceNew Tripoli Bancorp Inc compliance and trust
Trust signalCompliance3 records
New Tripoli Bancorp Inc financial estimates
Financial estimateRevenue estimate
Valuation estimate
New Tripoli Bancorp Inc leadership team
Management profileNumber of profiles
Profiles11 records
New Tripoli Bancorp Inc subsidiaries and ownership
Company hierarchySubsidiaries1 record
New Tripoli Bancorp Inc funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
New Tripoli Bancorp Inc M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about New Tripoli Bancorp Inc
What does New Tripoli Bancorp Inc do?
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.
Is New Tripoli Bancorp Inc a public or private company?
New Tripoli Bancorp Inc is a public company. It is classified as public and is currently operating.
When was New Tripoli Bancorp Inc founded?
New Tripoli Bancorp Inc was founded in 1910. It employs 51 to 100 people.
Where is New Tripoli Bancorp Inc based?
New Tripoli Bancorp Inc is headquartered in New Tripoli, United States, in the North America region.
How does New Tripoli Bancorp Inc make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are fee-based Services and commercial Banking Services.
Who are New Tripoli Bancorp Inc's main competitors?
Direct peers on record are ESSA Bancorp, Penns Woods Bancorp, S&T Bancorp, Univest Financial Corporation and First Commonwealth Financial. Tompkins Financial is listed as a regional player. Broad incumbents are F.N.B. Corporation, Citizens Financial Group, Bank of America and Wells Fargo.
Does New Tripoli Bancorp Inc have an API?
No public API is recorded for New Tripoli Bancorp Inc.
What industry is New Tripoli Bancorp Inc in?
New Tripoli Bancorp Inc's product category is Community Banking. Its primary akta.pro industry code is FSABABAA, General SME & Middle-Market Commercial Banking, with a secondary code of FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts). Its NAICS code is 52211 and its SIC code is 6022.