Custer Federal Savings and Loan Association

Custer Federal Savings and Loan Association is headquartered in Broken Bow and is the 113^st largest bank in the state of Nebraska. It is also the 5,592^nd largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 15 employees at 1 location. Custer Federal Savings and Loan Association's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Custer Federal Savings and Loan Association Checking Account Rates

Custer Federal Savings and Loan Association Savings Account Rates

Custer Federal Savings and Loan Association CD Rates

Custer Federal Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Custer Federal Savings and Loan Association OTS # 01806 FDIC Certificate # 28543 BankRate Report View Year Established 1925 Employees 15 Primary Regulator OCC Assets and Liabilities Assets $76.31 million Loans $41.29 million Deposits $69.06 million Equity Capital $6.78 million Loan Loss Allowance $351,000 Unbacked Noncurrent Loans $621,000 Historic Data - March 2011 Assets $66.86 million Equity Capital $5.64 million Loan Loss Allowance $320,000 Unbacked Noncurrent Loans $775,000 Real Estate Owned $334,000 Profit Margin - Quarterly Net Interest Margin 2.98% Return on Assets 0.92% Return on Equity 10.87% Interest Income $743,000

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 March 31, 2012 Custer Federal Savings and Loan Association had $621,000 in non-current loans and owned real-estate with $7.13 million in equity and loan loss allowances on hand to cover it. This gives Custer Federal Savings and Loan Association a Texas Ratio of 8.70% 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 Custer Federal Savings and Loan Association decreased significantly from 18.61% as of March 31, 2011 to 8.70% as of March 31, 2012, resulting in a positive change of 53.22%.This indicates that the balance sheet and financial strength for Custer Federal Savings and Loan Association has improved significantly in recent periods. Deposit Growth In the past year, Custer Federal Savings and Loan Association has increased its total deposits by $8.23 million, resulting in 13.52% 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 Custer Federal Savings and Loan Association 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. Custer Federal Savings and Loan Association has $76.31 million in assets with $7.13 million in equity, resulting in a capitalization level of 9.35%, which is average.

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