East Boston Savings Bank

10 Meridian Street
Boston, MA 02128
617-567-1500
www.ebsb.com

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East Boston Savings Bank is headquartered in Boston and is the 12^st largest bank in the state of Massachusetts. It is also the 309^th largest bank in the nation. It was established in 1991 and as of March of 2013, it had grown to 411 employees at 25 locations. East Boston Savings Bank has a 4-star health rating.

East Boston Savings Bank 13 Month 1.17% CD (Forum) - 3/2/2013

Looks like it can be opened at any branch, Says deal will go till March 15

Special 19-Month CD Rate at East Boston Savings Bank - Local Only - 11/5/2012

East Boston Savings Bank is advertising a competitive 19-month CD for two of its Boston area branches. It's a special 1.27% APY 19-month CD with a minimum deposit of $1,000 ($500 for the IRA CD). New ...

East Boston Savings Bank's $100 Checking Account Promotion - Local Only - 10/22/2012

East Boston Savings Bank is advertising a checking account promotion in which you can earn up to $100. This offer doesn't appear to be listed at the bank's website. It was advertised in the Boston new ...

New Branch Specials At EBSB In MA: 13-Month CD & Money Market Account (Forum) - 5/6/2012

East Boston Savings Bank is advertising two new-branch specials. These are only available at the bank's new Cambridge branch in MA. These don't seem to be listed on the bank's website. They were advertised on MA newspapers on 5/3/2012. The ad is available

2010

2009

7/14 - 2.55% 14-Month CD at East Boston Savings Bank - Local Only

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

East Boston Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	-	-	Choice Platinum Checking
0.10%	-	-	Business Interest Checking

East Boston Savings Bank Savings Account Rates

	Apy	Min	Max	Product
	0.10%	$25	-	Statement Savings

East Boston Savings Bank Money Market Rates

Apy	Min	Max	Product
1.00%	$1m	-	Money Market Account
1.00%	$1m	-	Business Money Market Account

East Boston Savings Bank CD Rates

Apy	Min	Max	Product
1.40%	$1k	-	60 Month CD
1.40%	$1k	-	Business 60 Month CD
1.17%	$1k	-	13 Month CD Special
1.10%	$1k	-	48 Month CD
1.10%	$1k	-	Business 48 Month CD
1.00%	$1k	-	36 Month CD
1.00%	$1k	-	Business 36 Month CD
0.85%	$1k	-	30 Month Step-Up CD
0.85%	$1k	-	Business 30 Month Step-Up CD
0.70%	$1k	-	15 Month CD
0.70%	$1k	-	24 Month CD
0.70%	$1k	-	Business 24 Month CD
0.55%	$1k	-	18 Month CD
0.55%	$1k	-	Business 18 Month CD
0.50%	$1k	-	9 Month CD
0.50%	$1k	-	12 Month CD
0.50%	$1k	-	Business 9 Month CD
0.50%	$1k	-	Business 12 Month CD
0.35%	$2,500	-	6 Month CD
0.35%	$2,500	-	Business 6 Month CD

East Boston Savings Bank IRA Rates

Apy	Min	Max	Product
1.40%	$500	-	60 Month IRA
1.40%	$500	-	60 Month SEP
1.40%	$500	-	60 Month Roth IRA
1.40%	$500	-	60 Month CESA
1.00%	$500	-	36 Month IRA
1.00%	$500	-	36 Month SEP
1.00%	$500	-	36 Month Roth IRA
1.00%	$500	-	36 Month CESA
0.85%	$500	-	30 Month Step-Up IRA
0.85%	$500	-	30 Month Step-Up SEP
0.85%	$500	-	30 Month Step-Up Roth IRA
0.85%	$500	-	30 Month Step-Up CESA
0.70%	$500	-	15 Month IRA
0.70%	$500	-	24 Month IRA
0.70%	$500	-	15 Month SEP
0.70%	$500	-	24 Month SEP
0.70%	$500	-	15 Month Roth IRA
0.70%	$500	-	15 Month CESA
0.70%	$500	-	24 Month Roth IRA
0.70%	$500	-	24 Month CESA
0.65%	$25k	-	20 Month Rate Lock IRA
0.65%	$25k	-	20 Month Rate Lock SEP
0.65%	$25k	-	20 Month Rate Lock Roth IRA
0.65%	$25k	-	20 Month Rate Lock CESA
0.55%	$500	-	18 Month IRA
0.55%	$500	-	18 Month SEP
0.55%	$500	-	18 Month Roth IRA
0.55%	$500	-	18 Month CESA
0.50%	$500	-	9 Month IRA
0.50%	$500	-	12 Month IRA
0.50%	$500	-	9 Month SEP
0.50%	$500	-	12 Month SEP
0.50%	$500	-	9 Month Roth IRA
0.50%	$500	-	9 Month CESA
0.50%	$500	-	12 Month Roth IRA
0.50%	$500	-	12 Month CESA
0.35%	$500	-	6 Month IRA
0.35%	$500	-	6 Month SEP
0.35%	$500	-	6 Month Roth IRA
0.35%	$500	-	6 Month CESA

Rates updated: 6/19/2013 * Not all products updated

Data for Q1 2013

Institution Statistics

East Boston Savings Bank
DIF #	Member
FDIC Certificate #	33510
BankRate Report	View
Year Established	1991
Employees	411
Primary Regulator	FDIC
Assets and Liabilities
Assets	$2.38 billion
Loans	$1.86 billion
Deposits	$1.96 billion
Equity Capital	$207.10 million
Loan Loss Allowance	$20.88 million
Unbacked Noncurrent Loans	$45.82 million
Real Estate Owned	$2.08 million
Historic Data - March 2012
Assets	$2.00 billion
Equity Capital	$185.41 million
Loan Loss Allowance	$14.10 million
Unbacked Noncurrent Loans	$48.62 million
Real Estate Owned	$3.02 million
Profit Margin - Quarterly
Net Interest Margin	3.27%
Return on Assets	0.5%
Return on Equity	5.77%
Interest Income	$22.66 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 March 31, 2013 East Boston Savings Bank had $47.9 million in non-current loans and owned real-estate with $227.98 million in equity and loan loss allowances on hand to cover it. This gives East Boston Savings Bank a Texas Ratio of 21.01% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for East Boston Savings Bank decreased slightly from 25.70% as of March 31, 2012 to 21.01% as of March 31, 2013, resulting in a positive change of 18.25%.This indicates that the balance sheet and financial strength for East Boston Savings Bank has improved slightly in recent periods.
Deposit Growth
In the past year, East Boston Savings Bank has increased its total deposits by $312.68 million, resulting in 18.95% 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 East Boston 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. East Boston Savings Bank has $2.38 billion in assets with $227.98 million in equity, resulting in a capitalization level of 9.58%, which is average.