Congressional Bank

Congressional Bank is headquartered in Potomac and is the 34^th largest bank in the state of Maryland. It is also the 2,059^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 50 employees at 5 locations. Congressional Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Congressional Bank FDIC Certificate # 57614 BankRate Report View Year Established 2003 Employees 50 Primary Regulator FED Assets and Liabilities Assets $316.64 million Loans $199.72 million Deposits $246.91 million Equity Capital $32.04 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $89,000 Real Estate Owned $1.53 million Historic Data - March 2011 Assets $251.26 million Equity Capital $23.67 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $1.93 million Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 0.36% Return on Equity 3.48% Interest Income $2.95 million

Institution Health Overall Score: 5 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 March 31, 2012 Congressional Bank had $1.61 million in non-current loans and owned real-estate with $34.08 million in equity and loan loss allowances on hand to cover it. This gives Congressional Bank a Texas Ratio of 4.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Congressional Bank decreased slightly from 7.59% as of March 31, 2011 to 4.74% as of March 31, 2012, resulting in a positive change of 37.60%.This indicates that the balance sheet and financial strength for Congressional Bank has improved slightly in recent periods. Deposit Growth In the past year, Congressional Bank has increased its total deposits by $41.16 million, resulting in 20% 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 Congressional 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. Congressional Bank has $316.64 million in assets with $34.08 million in equity, resulting in a capitalization level of 10.76%, which is above average.

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