Geauga Savings Bank

10800 Kinsman Road
Newbury, OH 44065
(800) 472-6250
www.geaugasavings.com

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Geauga Savings Bank is headquartered in Newbury and is the 47^th largest bank in the state of Ohio. It is also the 1,560^th largest bank in the nation. It was established in 1983 and as of September of 2011, it had grown to 43 employees at 1 location. Geauga Savings Bank's savings rates are 25% higher than the national average, and it has a 4-star health rating.

Geauga Savings Bank Routing Number: 241272202

4.61% 12-Month CD at Geauga Savings Bank in Ohio - Nationally Available - 9/26/2008

Geauga Savings Bank has come out with some very competitive CD specials. The most competitive is the 12-month term with a 4.61% APY. Below is the list of the three special CDs:CD rates as of 9/26/08:Term APY12 months 4.61%18 months ...

4.37% 12-Month CD at Geauga Savings Bank - 8/12/2008

Geauga Savings Bank has some competitive CD rates for terms of 12 to 36 months:CD rates as of 8/14/08:Term APY12 months 4.37%24 months 4.44%36 months 4.84%The minimum deposit is $25,000, and the maximum is $95,000. Interest is paid...

4.00% 18-Month CD at Geauga Savings Bank - Nationally Available - 6/6/2008

Geauga Savings Bank has some competitive CD rates for terms of 12 months and longer. The 12-month yield is 3.75% APY. A yield of 4.00% APY is available on terms from 18 months to 48 months. The minimum deposit is $1,000.I just called the bank at its...

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

Geauga Savings Bank Checking Account Rates

	Apy	Min	Max	Product
	0.35%	$500	-	Super Checking

Geauga Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.85%	$50k	-	High Yield Savings
0.20%	$100	-	Statement Savings

Geauga Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.45%	$10k	-	Money Market Account

Geauga Savings Bank CD Rates

Apy	Min	Max	Product
1.80%	$1k	-	60 Month CD
1.55%	$1k	-	48 Month CD
1.40%	$1k	-	36 Month CD
1.30%	$1k	-	30 Month CD
1.10%	$1k	-	24 Month CD
0.90%	$1k	-	18 Month CD
0.65%	$1k	-	12 Month CD
0.55%	$1k	-	9 Month CD
0.45%	$1k	-	6 Month CD
0.25%	$1k	-	3 Month CD

Geauga Savings Bank IRA Rates

Apy	Min	Max	Product
1.80%	-	-	60 Month IRA
1.80%	-	-	60 Month Roth IRA
1.80%	-	-	60 Month SEP IRA
1.80%	-	-	60 Month SIMPLE IRA
1.80%	-	-	60 Month CESA
1.55%	-	-	48 Month IRA
1.55%	-	-	48 Month Roth IRA
1.55%	-	-	48 Month SEP IRA
1.55%	-	-	48 Month SIMPLE IRA
1.55%	-	-	48 Month CESA
1.40%	-	-	36 Month IRA
1.40%	-	-	36 Month Roth IRA
1.40%	-	-	36 Month SEP IRA
1.40%	-	-	36 Month SIMPLE IRA
1.40%	-	-	36 Month CESA
1.30%	-	-	30 Month IRA
1.30%	-	-	30 Month Roth IRA
1.30%	-	-	30 Month SEP IRA
1.30%	-	-	30 Month SIMPLE IRA
1.30%	-	-	30 Month CESA
1.10%	-	-	24 Month IRA
1.10%	-	-	24 Month Roth IRA
1.10%	-	-	24 Month SEP IRA
1.10%	-	-	24 Month SIMPLE IRA
1.10%	-	-	24 Month CESA
0.90%	-	-	18 Month IRA
0.90%	-	-	18 Month Roth IRA
0.90%	-	-	18 Month SEP IRA
0.90%	-	-	18 Month SIMPLE IRA
0.90%	-	-	18 Month CESA
0.65%	-	-	12 Month IRA
0.65%	-	-	12 Month Roth IRA
0.65%	-	-	12 Month SEP IRA
0.65%	-	-	12 Month SIMPLE IRA
0.65%	-	-	12 Month CESA
0.55%	-	-	9 Month IRA
0.55%	-	-	9 Month Roth IRA
0.55%	-	-	9 Month SEP IRA
0.55%	-	-	9 Month SIMPLE IRA
0.55%	-	-	9 Month CESA
0.45%	-	-	6 Month IRA
0.45%	-	-	6 Month Roth IRA
0.45%	-	-	6 Month SEP IRA
0.45%	-	-	6 Month SIMPLE IRA
0.45%	-	-	6 Month CESA
0.25%	-	-	3 Month IRA
0.25%	-	-	3 Month Roth IRA
0.25%	-	-	3 Month SEP IRA
0.25%	-	-	3 Month SIMPLE IRA
0.25%	-	-	3 Month CESA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Geauga Savings Bank
FDIC Certificate #	32287
BankRate Report	View
Year Established	1983
Employees	43
Primary Regulator	FDIC
Assets and Liabilities
Assets	$421.98 million
Loans	$223.33 million
Deposits	$260.25 million
Equity Capital	$44.48 million
Loan Loss Allowance	$7.70 million
Unbacked Noncurrent Loans	$20.21 million
Real Estate Owned	$7.19 million
Historic Data - September 2010
Assets	$423.17 million
Equity Capital	$42.65 million
Loan Loss Allowance	$9.15 million
Unbacked Noncurrent Loans	$26.63 million
Real Estate Owned	$5.81 million
Profit Margin - Quarterly
Net Interest Margin	3.38%
Return on Assets	0.43%
Return on Equity	4.24%
Interest Income	$15.12 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 September 30, 2011 Geauga Savings Bank had $27.4 million in non-current loans and owned real-estate with $52.18 million in equity and loan loss allowances on hand to cover it. This gives Geauga Savings Bank a Texas Ratio of 52.51% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Geauga Savings Bank decreased slightly from 62.62% as of September 30, 2010 to 52.51% as of September 30, 2011, resulting in a positive change of 16.14%.This indicates that the balance sheet and financial strength for Geauga Savings Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Geauga Savings Bank has increased its total deposits by $2.63 million, resulting in 1.02% 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 Geauga 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. Geauga Savings Bank has $421.98 million in assets with $52.18 million in equity, resulting in a capitalization level of 12.36%, which is excellent.