Frederick County Bank

Frederick County Bank is headquartered in Frederick and is the 36^th largest bank in the state of Maryland. It is also the 2,165^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 67 employees at 4 locations. Frederick County Bank has a 4-star health rating.

Frederick County Bank Routing Number: 055003395

Frederick County Bank CD Rates

Data for Q1 2012

Institution Statistics Frederick County Bank FDIC Certificate # 57255 BankRate Report View Year Established 2001 Employees 67 Primary Regulator FED Assets and Liabilities Assets $301.98 million Loans $210.01 million Deposits $259.96 million Equity Capital $30.92 million Loan Loss Allowance $3.29 million Unbacked Noncurrent Loans $2.03 million Real Estate Owned $1.09 million Historic Data - March 2011 Assets $290.75 million Equity Capital $28.83 million Loan Loss Allowance $3.84 million Unbacked Noncurrent Loans $2.45 million Real Estate Owned $248,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.54% Return on Equity 5.14% Interest Income $3.26 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, 2012 Frederick County Bank had $3.12 million in non-current loans and owned real-estate with $34.21 million in equity and loan loss allowances on hand to cover it. This gives Frederick County Bank a Texas Ratio of 9.12% 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 Frederick County Bank held steady from 8.27% as of March 31, 2011 to 9.12% as of March 31, 2012, resulting in a negative change of 10.31%. This indicates that the balance sheet and financial strength for Frederick County Bank has held steady in recent periods. Deposit Growth In the past year, Frederick County Bank has increased its total deposits by $8.75 million, resulting in 3.48% 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 Frederick County Bank has shown is above average. 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. Frederick County Bank has $301.98 million in assets with $34.21 million in equity, resulting in a capitalization level of 11.33%, which is above average.

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