1 star ratingAverage User Rating:
1 star rating based on 1 review.

Easthampton Savings Bank

Easthampton Savings Bank Locations
36 Main Street
Easthampton, MA 1027
413-527-4111
www.bankesb.com

Easthampton Savings Bank is headquartered in Easthampton and is the 31st largest bank in the state of Massachusetts. It is also the 686th largest bank in the nation. It was established in 1869 and as of March of 2012, it had grown to 164 employees at 9 locations. Easthampton Savings Bank has a 5-star health rating.

Easthampton Savings Bank Routing Number: 211870935

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

Easthampton Savings Bank Checking Account Rates

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0.40%--Premier Checking

Easthampton Savings Bank Savings Account Rates

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0.25%$1k-Passbook Plus
0.10%--Statement Savings
0.10%--Passbook Savings

Easthampton Savings Bank Money Market Rates

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0.30%$100k-Tiered Money Market Account

Easthampton Savings Bank CD Rates

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1.75%$1k-60 Month CD
1.50%$1k-48 Month CD
1.00%$1k-36 Month CD
0.90%$1k-21 Month CD
0.75%$1k-24 Month CD
0.70%$1k-9 Month CD
0.60%$1k-18 Month CD
0.50%$1k-7 Day CD
0.40%$1k-12 Month CD
0.20%$1k-6 Month CD
0.10%$1k-3 Month CD

Easthampton Savings Bank IRA Rates

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1.75%$500-60 Month IRA
1.75%$500-60 Month Roth IRA
1.50%$500-48 Month IRA
1.50%$500-48 Month Roth IRA
1.00%$500-36 Month IRA
1.00%$500-36 Month Roth IRA
0.90%$500-21 Month IRA
0.90%$500-21 Month Roth IRA
0.75%$500-24 Month IRA
0.75%$500-24 Month Roth IRA
0.70%$500-9 Month IRA
0.70%$500-9 Month Roth IRA
0.60%$500-18 Month IRA
0.60%$500-18 Month Roth IRA
0.40%$500-12 Month IRA
0.40%$500-12 Month Roth IRA
0.20%$500-6 Month IRA
0.20%$500-6 Month Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012


Institution Statistics


Easthampton Savings Bank
FDIC Certificate #90188
BankRate ReportView
Year Established1869
Employees164
Primary RegulatorFDIC

Assets and Liabilities

Assets$961.79 million
Loans$663.58 million
Deposits$779.50 million
Equity Capital$118.47 million
Loan Loss Allowance$4.03 million
Unbacked Noncurrent Loans$8.89 million
Real Estate Owned$1.39 million

Historic Data - March 2011

Assets$891.86 million
Equity Capital$107.06 million
Loan Loss Allowance$4.32 million
Unbacked Noncurrent Loans$4.84 million
Real Estate Owned$627,000

Profit Margin - Quarterly

Net Interest Margin3.42%
Return on Assets0.94%
Return on Equity7.64%
Interest Income$9.66 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio4
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 Easthampton Savings Bank had $10.28 million in non-current loans and owned real-estate with $122.5 million in equity and loan loss allowances on hand to cover it. This gives Easthampton Savings Bank a Texas Ratio of 8.39% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Easthampton Savings Bank held steady from 4.91% as of March 31, 2011 to 8.39% as of March 31, 2012, resulting in a negative change of 71.04%. This indicates that the balance sheet and financial strength for Easthampton Savings Bank has held steady in recent periods.
Deposit Growth5
In the past year, Easthampton Savings Bank has increased its total deposits by $64.54 million, resulting in 9.03% 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 Easthampton Savings Bank has shown is excellent.
Capitalization5
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. Easthampton Savings Bank has $961.79 million in assets with $122.5 million in equity, resulting in a capitalization level of 12.74%, which is excellent.
Write Review

Dont Get A Loan From Here
1 stars - mary6767 - Monday, June 13, 2011 - 1:08 PM

I have a loan with easthampton savings bank for 3 years now.I had 2 people do loans for me and now i want to get one on my own i cant get it because of my income this is not right i have the same income from my first loan i pay it on time every month,i dont miss a payment at all.I wish i could talk to just one ceo of the bank about this but you know that is not going to happen,My payment are the same no matter what but i need someone to sign for me,so all this hard work was for nothing and banks wounder why they get a bad name.If you want a loan dont go there for one,I made my mistake by going there

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