First Commons Bank, National Association

First Commons Bank, National Association is headquartered in Newton Center and is the 121^st largest bank in the state of Massachusetts. It is also the 3,346^th largest bank in the nation. It was established in 2009 and as of March of 2012, it had grown to 29 employees at 1 location. First Commons Bank, National Association has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Commons Bank, National Association FDIC Certificate # 58923 BankRate Report View Year Established 2009 Employees 29 Primary Regulator OCC Assets and Liabilities Assets $182.60 million Loans $148.45 million Deposits $161.75 million Equity Capital $19.25 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $702,000 Historic Data - March 2011 Assets $120.39 million Equity Capital $18.97 million Loan Loss Allowance $556,000 Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 0.27% Return on Equity 2.51% Interest Income $1.94 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 First Commons Bank, National Association had $702,000 in non-current loans and owned real-estate with $20.39 million in equity and loan loss allowances on hand to cover it. This gives First Commons Bank, National Association a Texas Ratio of 3.44% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, First Commons Bank, National Association has increased its total deposits by $60.95 million, resulting in 60.47% 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 First Commons Bank, National 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. First Commons Bank, National Association has $182.6 million in assets with $20.39 million in equity, resulting in a capitalization level of 11.17%, which is above average.

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