Advantage Bank (OH)

814 Wheeling Avenue
Cambridge, OH 43725
800-837-6755
www.advantagebankonline.com

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Advantage Bank (OH) is headquartered in Cambridge and is the 26^th largest bank in the state of Ohio. It is also the 864^th largest bank in the nation. It was established in 1891 and as of December of 2011, it had grown to 211 employees at 26 locations. Advantage Bank (OH) has a 2-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Advantage Bank (OH) Checking Account Rates

Apy	Min	Max	Product
0.30%	$50k	-	ADVANTAGE Platinum Plus Checking
0.30%	$50k	-	ADVANTAGE Group Banking
0.15%	$75k	-	Advantage Business Checking with Interest
0.15%	$75k	-	Advantage Commercial Checking with Interest
0.00%	$500	-	ADVANTAGE Platinum Checking

Advantage Bank (OH) Savings Account Rates

Apy	Min	Max	Product
0.25%	$50k	-	Health Savings
0.10%	$100	-	Advantage Statement Savings
0.10%	$100	-	Advantage Christmas Club

Advantage Bank (OH) Money Market Rates

Apy	Min	Max	Product
0.50%	$100k	-	Advantage Premium Money Market
0.30%	$50k	-	Advantage Gold Money Market

Advantage Bank (OH) CD Rates

Apy	Min	Max	Product
1.60%^†	$500	-	60 Month CD
1.40%^†	$500	-	48 Month Rate Manager CD
1.30%^†	$500	-	44 Month CD
1.15%^†	$500	-	36 Month Rate Manager CD
0.70%^†	$500	-	23 Month CD
0.70%^†	$500	-	24 Month CD
0.60%^†	$500	-	21 Month CD
0.55%^†	$500	-	18 Month CD
0.55%^†	$500	-	19 Month CD
0.50%^†	$500	-	9 Month No Penalty CD
0.48%^†	$500	-	24 Month Adjustable Rate CD
0.45%^†	$500	-	14 Month CD
0.45%^†	$500	-	15 Month CD
0.45%^†	$500	-	15 Month Advantage CD
0.45%^†	$500	-	24 Month Limited Penalty CD
0.35%^†	$500	-	13 Month CD
0.25%^†	$500	-	12 Month CD
0.20%^†	$500	-	8 Month CD
0.20%^†	$500	-	9 Month CD
0.15%^†	$500	-	182 Day CD
0.10%^†	$500	-	91 Day CD

Advantage Bank (OH) IRA Rates

Apy	Min	Max	Product
1.60%^†	$500	-	60 Month IRA
1.40%^†	$500	-	48 Month Rate Manager IRA
1.30%^†	$500	-	44 Month IRA
1.15%^†	$500	-	36 Month Rate Manager IRA
0.70%^†	$500	-	23 Month IRA
0.70%^†	$500	-	24 Month IRA
0.60%^†	$500	-	21 Month IRA
0.55%^†	$100	-	18 Month Advantage IRA
0.55%^†	$500	-	18 Month IRA
0.55%^†	$500	-	19 Month IRA
0.50%^†	$500	-	9 Month No Penalty IRA
0.48%^†	$500	-	24 Month Adjustable Rate IRA
0.45%^†	$500	-	15 Month Advantage IRA
0.45%^†	$500	-	14 Month IRA
0.45%^†	$500	-	15 Month IRA
0.45%^†	$500	-	24 Month Limited Penalty IRA
0.35%^†	$500	-	13 Month IRA
0.25%^†	$500	-	12 Month IRA
0.20%^†	$500	-	8 Month IRA
0.20%^†	$500	-	9 Month IRA
0.15%^†	$500	-	182 Day IRA

Rates updated: 5/20/2012

Data for Q4 2011

Institution Statistics

Advantage Bank
FDIC Certificate #	29864
BankRate Report	View
Year Established	1891
Employees	211
Primary Regulator	FDIC
Assets and Liabilities
Assets	$767.11 million
Loans	$648.12 million
Deposits	$634.21 million
Equity Capital	$48.96 million
Loan Loss Allowance	$14.53 million
Unbacked Noncurrent Loans	$24.92 million
Real Estate Owned	$11.84 million
Historic Data - December 2010
Assets	$816.77 million
Equity Capital	$47.89 million
Loan Loss Allowance	$16.87 million
Unbacked Noncurrent Loans	$33.78 million
Real Estate Owned	$10.10 million
Profit Margin - Quarterly
Net Interest Margin	3.78%
Return on Assets	0.27%
Return on Equity	4.45%
Interest Income	$36.79 million

Institution Health

Overall Score:

2 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Advantage Bank (OH) had $36.76 million in non-current loans and owned real-estate with $63.49 million in equity and loan loss allowances on hand to cover it. This gives Advantage Bank (OH) a Texas Ratio of 57.89% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Advantage Bank (OH) held steady from 67.75% as of December 31, 2010 to 57.89% as of December 31, 2011, resulting in a positive change of 14.56%.This indicates that the balance sheet and financial strength for Advantage Bank (OH) has held steady in recent periods.
Deposit Growth
In the past year, Advantage Bank (OH) has decreased its total deposits by -$26.12 million, resulting in -3.96% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Advantage Bank (OH) has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Advantage Bank (OH) has $767.11 million in assets with $63.49 million in equity, resulting in a capitalization level of 8.28%, which is average.

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