Biddeford Savings Bank

Biddeford Savings Bank is headquartered in Biddeford and is the 20^th largest bank in the state of Maine. It is also the 1,958^th largest bank in the nation. It was established in 1867 and as of December of 2011, it had grown to 65 employees at 6 locations. Biddeford Savings Bank's money market rates are 84% higher than the national average, and it has a 4-star health rating.

Biddeford Savings Bank Routing Number: 211274395

Biddeford Savings Bank Checking Account Rates

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Data for Q4 2011

Institution Statistics Biddeford Savings Bank FDIC Certificate # 17741 BankRate Report View Year Established 1867 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $331.75 million Loans $246.54 million Deposits $234.76 million Equity Capital $32.78 million Loan Loss Allowance $1.92 million Unbacked Noncurrent Loans $4.21 million Real Estate Owned $74,000 Historic Data - December 2010 Assets $314.35 million Equity Capital $31.86 million Loan Loss Allowance $1.49 million Unbacked Noncurrent Loans $4.02 million Real Estate Owned $173,000 Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 0.23% Return on Equity 2.29% Interest Income $14.07 million

Institution Health Overall Score: 4 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 Biddeford Savings Bank had $4.28 million in non-current loans and owned real-estate with $34.7 million in equity and loan loss allowances on hand to cover it. This gives Biddeford Savings Bank a Texas Ratio of 12.35% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Biddeford Savings Bank held steady from 12.57% as of December 31, 2010 to 12.35% as of December 31, 2011, resulting in a positive change of 1.77%.This indicates that the balance sheet and financial strength for Biddeford Savings Bank has held steady in recent periods. Deposit Growth In the past year, Biddeford Savings Bank has increased its total deposits by $20.73 million, resulting in 9.68% 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 Biddeford Savings Bank has shown is excellent. 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. Biddeford Savings Bank has $331.75 million in assets with $34.7 million in equity, resulting in a capitalization level of 10.46%, which is above average.

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