Grand Bank, N.A.

One Edinburg Road
Hamilton, NJ 08619
1 (800) 234-3459
www.grandbk.com

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Grand Bank, N.A. is headquartered in Hamilton and is the 67^th largest bank in the state of New Jersey. It is also the 2,321^st largest bank in the nation. It was established in 2002 and as of December of 2012, it had grown to 264 employees at 2 locations. Grand Bank, N.A. has a 2-star health rating.

Top CD, Money Market and Reward Checking Rates at Grand Bank in NJ - Local Only - 9/6/2011

Grand Bank, N.A. continues to offer competitive rates on several of its deposit products. These were good deals when in my last review in December 2010. These are now even better deals when compared t ...

Anybody In NJ With Rewards Checking At Grand Bank? - Interest Posted On 1/14/11 (Forum) - 1/15/2011

Does any one have an Reward Checking account with Grand Bank in NJ? I wanted to know your expereince with this statement closing and interest posting. Their statement runs from 15 to 15th of every month. Today, the statement closed and I

Competitive CD, Money Market and Reward Checking Rates at Grand Bank in NJ - Local Only - 12/12/2010

Grand Bank, N.A. continues to offer competitive rates on several of its deposit products. Rates have gone down since my last post in July, but the rates continue to better than what most banks are off ...

Top CD, Money Market and Reward Checking Rates at Grand Bank in NJ - Local Only - 7/1/2010

Grand Bank, N.A. has competitive rates on several of its deposit products. Its reward checking account yield is still 4.01% APY on balances up to $25K. This is the same rate that it was when I first r ...

2009

4/20 - High-Yield Reward Checking Account and Other Competitive Rates at Grand Bank, N.A. in New Jersey

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

Grand Bank, N.A. Checking Account Rates

Apy	Min	Max	Product
0.75%	-	-	Reward Checking
0.10%	$1k	-	NOW Checking
0.10%	$2,500	-	Grand Business Checking

Grand Bank, N.A. Savings Account Rates

Apy	Min	Max	Product
0.30%	$250	-	Statement Savings
0.30%	$500	-	Business Statement Savings
0.25%	-	-	Funds Management

Grand Bank, N.A. Money Market Rates

Apy	Min	Max	Product
0.70%	$75k	-	Business Money Market
0.55%	$50k	-	Personal Money Market

Grand Bank, N.A. CD Rates

Apy	Min	Max	Product
1.25%	$1k	-	60 Month CD
1.25%	$1k	-	60 Month Business CD
1.10%	$1k	-	48 Month CD
1.10%	$1k	-	48 Month Business CD
1.00%	$1k	-	36 Month CD
1.00%	$1k	-	36 Month Business CD
0.85%	$1k	-	24 Month CD
0.85%	$1k	-	24 Month Business CD
0.65%	$1k	-	12 Month CD
0.65%	$1k	-	18 Month CD
0.65%	$1k	-	12 Month Business CD
0.65%	$1k	-	18 Month Business CD
0.60%	$1k	-	15 Month CD
0.60%	$1k	-	15 Month Business CD
0.55%	$1k	-	12 Month No Penalty CD
0.55%	$1k	-	12 Month No Penalty Business CD
0.55%	$1k	-	7 Month Business CD
0.55%	$1k	-	7 Month CD
0.55%	$1k	-	8 Month Business CD
0.55%	$1k	-	8 Month CD
0.40%	$1k	-	6 Month CD
0.40%	$1k	-	6 Month Business CD
0.35%	$1k	-	6 Month No Penalty CD
0.35%	$1k	-	6 Month No Penalty Business CD
0.25%	$1k	-	3 Month CD
0.25%	$1k	-	3 Month Business CD

Grand Bank, N.A. IRA Rates

Apy	Min	Max	Product
1.25%	$1k	-	60 Month IRA
1.25%	$1k	-	60 Month Roth IRA
1.10%	$1k	-	48 Month IRA
1.10%	$1k	-	48 Month Roth IRA
1.00%	$1k	-	36 Month IRA
1.00%	$1k	-	36 Month Roth IRA
0.85%	$1k	-	24 Month IRA
0.85%	$1k	-	24 Month Roth IRA
0.80%	$1k	-	20 Month IRA
0.80%	$1k	-	20 Month Roth IRA
0.65%	$1k	-	12 Month IRA
0.65%	$1k	-	18 Month IRA
0.65%	$1k	-	12 Month Roth IRA
0.65%	$1k	-	18 Month Roth IRA
0.60%	$1k	-	15 Month IRA
0.60%	$1k	-	15 Month Roth IRA
0.55%	$1k	-	12 Month No Penalty IRA
0.55%	$1k	-	12 Month No Penalty Roth IRA
0.55%	$1k	-	7 Month IRA
0.55%	$1k	-	8 Month IRA
0.55%	$1k	-	7 Month Roth IRA
0.55%	$1k	-	8 Month Roth IRA
0.40%	$1k	-	6 Month IRA
0.40%	$1k	-	6 Month Roth IRA
0.35%	$1k	-	6 Month No Penalty IRA
0.35%	$1k	-	6 Month No Penalty Roth IRA
0.25%	$1k	-	3 Month IRA
0.25%	$1k	-	3 Month Roth IRA

Rates updated: 5/23/2013

Data for Q4 2012

Institution Statistics

Grand Bank, National Association
FDIC Certificate #	57274
BankRate Report	View
Year Established	2002
Employees	264
Primary Regulator	OCC
Assets and Liabilities
Assets	$277.53 million
Loans	$219.90 million
Deposits	$204.98 million
Equity Capital	$22.65 million
Loan Loss Allowance	$3.66 million
Unbacked Noncurrent Loans	$9.85 million
Real Estate Owned	$2.75 million
Historic Data - December 2011
Assets	$341.51 million
Equity Capital	$23.93 million
Loan Loss Allowance	$3.59 million
Unbacked Noncurrent Loans	$12.74 million
Real Estate Owned	$3.48 million
Profit Margin - Quarterly
Net Interest Margin	2.98%
Return on Assets	-1.02%
Return on Equity	-12.9%
Interest Income	$11.60 million

Institution Health

Overall Score:

2 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 December 31, 2012 Grand Bank, N.A. had $12.6 million in non-current loans and owned real-estate with $26.32 million in equity and loan loss allowances on hand to cover it. This gives Grand Bank, N.A. a Texas Ratio of 47.90% 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 Grand Bank, N.A. decreased slightly from 58.94% as of December 31, 2011 to 47.90% as of December 31, 2012, resulting in a positive change of 18.73%.This indicates that the balance sheet and financial strength for Grand Bank, N.A. has improved slightly in recent periods.
Deposit Growth
In the past year, Grand Bank, N.A. has decreased its total deposits by -$46.5 million, resulting in -18.49% 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 Grand Bank, N.A. has shown is poor.
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. Grand Bank, N.A. has $277.53 million in assets with $26.32 million in equity, resulting in a capitalization level of 9.48%, which is average.