Artisans Bank

2961 Centerville Road
Wilmington , DE 19808
302.658.6881
www.artisansbank.com

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Artisans Bank is headquartered in Wilmington and is the 17^st largest bank in the state of Delaware. It is also the 1,211^st largest bank in the nation. It was established in 1861 and as of September of 2011, it had grown to 134 employees at 13 locations. Artisans Bank has a 2-star health rating.

Artisans Bank Routing Number: 231175759

4.01% Reward Checking Account at Artisans' Bank in Delaware - 2/10/2009

Artisans' Bank is offering a reward checking account that pays 4.01% APY on balances up to $25,000 (1.01% for above) if the following monthly requirements are met:12 signature based VISA check card purchasesone direct deposit, ACH debit or ACH...

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

Artisans Bank Checking Account Rates

Apy	Min	Max	Product
0.65%	-	$25k	Interest Rewards Checking
0.35%	$100k	-	Premier Interest Checking

Artisans Bank Savings Account Rates

Apy	Min	Max	Product
0.35%	$125k	-	Premier Yield
0.30%	-	-	Health Savings Accounts
0.15%	-	-	Holiday Club
0.10%	$50	-	Statement Savings

Artisans Bank Money Market Rates

Apy	Min	Max	Product
0.35%	$250k	-	Business Money Market
0.35%	$100k	-	Premier Money Market
0.10%	$50	-	Money Market Statement

Artisans Bank CD Rates

Apy	Min	Max	Product
1.20%	$1,500	-	60 Month CD
1.15%	$1,500	-	54 Month CD
1.05%	$1,500	-	48 Month CD
0.95%	$1,500	-	36 Month CD
0.85%	$1,500	-	30 Month CD
0.75%	$1,500	-	24 Month CD
0.65%	$1,500	-	18 Month CD
0.65%	$1,500	-	21 Month CD
0.55%	$1,500	-	14 Month CD
0.55%	$1,500	-	15 Month CD
0.55%	$1,500	-	13 Month CD
0.50%	$1,500	-	11 Month CD
0.50%	$1,500	-	12 Month CD
0.45%	$1,500	-	10 Month CD
0.35%	$1,500	-	9 Month CD
0.30%	$1,500	-	8 Month CD
0.25%	$1,500	-	6 Month CD
0.20%	$1,500	-	91 Day CD
0.05%	$1,500	-	7 Month No Penalty CD

Artisans Bank IRA Rates

Apy	Min	Max	Product
1.20%	$500	-	60 Month IRA
1.20%	$500	-	60 Month Roth IRA
1.20%	$500	-	60 Month Educational IRA
1.15%	$500	-	54 Month IRA
1.15%	$500	-	54 Month Roth IRA
1.15%	$500	-	54 Month Educational IRA
1.05%	$500	-	48 Month IRA
1.05%	$500	-	48 Month Roth IRA
1.05%	$500	-	48 Month Educational IRA
0.95%	$500	-	36 Month IRA
0.95%	$500	-	36 Month Roth IRA
0.95%	$500	-	36 Month Educational IRA
0.85%	$500	-	30 Month IRA
0.85%	$500	-	30 Month Roth IRA
0.85%	$500	-	30 Month Educational IRA
0.75%	$500	-	24 Month IRA
0.75%	$500	-	24 Month Roth IRA
0.75%	$500	-	24 Month Educational IRA
0.65%	$500	-	18 Month IRA
0.65%	$500	-	21 Month IRA
0.65%	$500	-	18 Month Roth IRA
0.65%	$500	-	21 Month Roth IRA
0.65%	$500	-	18 Month Educational IRA
0.65%	$500	-	21 Month Educational IRA
0.55%	$500	-	14 Month IRA
0.55%	$500	-	15 Month IRA
0.55%	$500	-	13 Month IRA
0.55%	$500	-	13 Month Roth IRA
0.55%	$500	-	14 Month Roth IRA
0.55%	$500	-	15 Month Roth IRA
0.55%	$500	-	13 Month Educational IRA
0.55%	$500	-	14 Month Educational IRA
0.55%	$500	-	15 Month Educational IRA
0.50%	$500	-	11 Month IRA
0.50%	$500	-	12 Month IRA
0.50%	$100	-	1 Year Variable Rate IRA
0.50%	$500	-	11 Month Roth IRA
0.50%	$100	-	1 Year Variable Rate Roth IRA
0.50%	$500	-	12 Month Roth IRA
0.50%	$500	-	11 Month Educational IRA
0.50%	$100	-	1 Year Variable Rate Educational IRA
0.50%	$500	-	12 Month Educational IRA
0.45%	$500	-	10 Month IRA
0.45%	$500	-	10 Month Roth IRA
0.45%	$500	-	10 Month Educational IRA
0.35%	$500	-	9 Month IRA
0.35%	$500	-	9 Month Roth IRA
0.35%	$500	-	9 Month Educational IRA
0.30%	$500	-	8 Month IRA
0.30%	$500	-	8 Month Roth IRA
0.30%	$500	-	8 Month Educational IRA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	6 Month Roth IRA
0.25%	$500	-	6 Month Educational IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Artisans' Bank
FDIC Certificate #	17123
BankRate Report	View
Year Established	1861
Employees	134
Primary Regulator	FDIC
Assets and Liabilities
Assets	$553.39 million
Loans	$373.75 million
Deposits	$484.24 million
Equity Capital	$41.50 million
Loan Loss Allowance	$11.48 million
Unbacked Noncurrent Loans	$19.02 million
Real Estate Owned	$8.40 million
Historic Data - September 2010
Assets	$647.87 million
Equity Capital	$52.02 million
Loan Loss Allowance	$13.33 million
Unbacked Noncurrent Loans	$27.72 million
Real Estate Owned	$4.01 million
Profit Margin - Quarterly
Net Interest Margin	3.55%
Return on Assets	0.17%
Return on Equity	2.69%
Interest Income	$18.83 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 September 30, 2011 Artisans Bank had $27.42 million in non-current loans and owned real-estate with $52.99 million in equity and loan loss allowances on hand to cover it. This gives Artisans Bank a Texas Ratio of 51.75% 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 Artisans Bank held steady from 48.56% as of September 30, 2010 to 51.75% as of September 30, 2011, resulting in a negative change of 6.56%. This indicates that the balance sheet and financial strength for Artisans Bank has held steady in recent periods.
Deposit Growth
In the past year, Artisans Bank has decreased its total deposits by -$77.6 million, resulting in -13.81% 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 Artisans Bank has shown is poor.
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. Artisans Bank has $553.39 million in assets with $52.99 million in equity, resulting in a capitalization level of 9.57%, which is average.