Freehold Savings Bank

Freehold Savings Bank is headquartered in Freehold and is the 68^th largest bank in the state of New Jersey. It is also the 2,425^th largest bank in the nation. It was established in 1869 and as of March of 2012, it had grown to 18 employees at 2 locations. Freehold Savings Bank has a 5-star health rating.

Freehold Savings Bank Routing Number: 221271948

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Data for Q1 2012

Institution Statistics Freehold Savings Bank OTS # 05489 FDIC Certificate # 30519 BankRate Report View Year Established 1869 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $265.79 million Loans $57.00 million Deposits $181.79 million Equity Capital $32.56 million Loan Loss Allowance $637,000 Unbacked Noncurrent Loans $155,000 Real Estate Owned $38,000 Historic Data - March 2011 Assets $253.29 million Equity Capital $30.96 million Loan Loss Allowance $637,000 Unbacked Noncurrent Loans $13,000 Real Estate Owned $50,000 Profit Margin - Quarterly Net Interest Margin 2.08% Return on Assets 0.55% Return on Equity 4.49% Interest Income $2.03 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 Freehold Savings Bank had $193,000 in non-current loans and owned real-estate with $33.19 million in equity and loan loss allowances on hand to cover it. This gives Freehold Savings Bank a Texas Ratio of 0.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Freehold Savings Bank held steady from 0.20% as of March 31, 2011 to 0.58% as of March 31, 2012, resulting in a negative change of 191.66%. This indicates that the balance sheet and financial strength for Freehold Savings Bank has held steady in recent periods. Deposit Growth In the past year, Freehold Savings Bank has increased its total deposits by $5.91 million, resulting in 3.36% 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 Freehold Savings 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. Freehold Savings Bank has $265.79 million in assets with $33.19 million in equity, resulting in a capitalization level of 12.49%, which is excellent.

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