Greenville National Bank

446 South Broadway
Greenville, OH 45331
www.greenvillenationalbank.com

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Greenville National Bank is headquartered in Greenville and is the 53^rd largest bank in the state of Ohio. It is also the 1,766^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 81 employees at 7 locations. Greenville National Bank has a 5-star health rating.

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See Rates for: Checking | Savings | CD | IRA

Greenville National Bank Checking Account Rates

Apy	Min	Max	Product
0.05%	$750	-	Investment Checking
0.05%	-	-	Sweep Accounts
0.05%	$750	-	Prestige 50
0.05%	-	-	Prestige 50+

Greenville National Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$200k	-	Premier Gold - Personal
0.50%	$250k	-	Premier Gold - Business
0.50%	-	-	Christmas Club
0.05%	$1k	-	Money Fund
0.05%	-	-	Savings

Greenville National Bank CD Rates

Apy	Min	Max	Product
2.10%	$1k	-	78 Month CD
1.85%	$1k	-	4 Year Special CD
1.60%	$1k	-	5 Year CD
0.70%	$1k	-	3 Year CD
0.65%	$1k	-	16 Month Special CD
0.60%	$1k	-	30 Month CD
0.60%	$1k	-	33 Month CD
0.55%	$1k	-	2 Year CD
0.40%	$1k	-	18 Month CD
0.40%	$1k	-	21 Month CD
0.35%	$1k	-	91-364 Day CD
0.30%	$1k	-	1 Year CD
0.25%	$1k	-	9 Month CD
0.25%	$1k	-	11 Month CD
0.20%	$1k	-	8 Month CD
0.15%	$1k	-	5 Month Special CD
0.10%	$1k	-	90 Day CD
0.05%	$1k	-	7-89 Day CD

Greenville National Bank IRA Rates

Apy	Min	Max	Product
2.10%	$1k	-	78 Month IRA
2.10%	$1k	-	78 Month SEP IRA
2.10%	$1k	-	78 Month CESA
2.10%	$1k	-	78 Month Roth IRA
1.85%	$1k	-	4 Year GNB Special IRA
1.85%	$1k	-	4 Year GNB Special SEP IRA
1.85%	$1k	-	4 Year GNB Special CESA
1.85%	$1k	-	4 Year GNB Special Roth IRA
1.60%	$1k	-	5 Year IRA
1.60%	$1k	-	5 Year SEP IRA
1.60%	$1k	-	5 Year CESA
1.60%	$1k	-	5 Year Roth IRA
0.70%	$1k	-	3 Year IRA
0.70%	$1k	-	3 Year SEP IRA
0.70%	$1k	-	3 Year CESA
0.70%	$1k	-	3 Year Roth IRA
0.65%	$1k	-	16 Month GNB Special IRA
0.65%	$1k	-	16 Month GNB Special SEP IRA
0.65%	$1k	-	16 Month GNB Special CESA
0.65%	$1k	-	16 Month GNB Special Roth IRA
0.60%	$1k	-	30 Month IRA
0.60%	$1k	-	33 Month IRA
0.60%	$1k	-	30 Month SEP IRA
0.60%	$1k	-	33 Month SEP IRA
0.60%	$1k	-	30 Month CESA
0.60%	$1k	-	30 Month Roth IRA
0.60%	$1k	-	33 Month CESA
0.60%	$1k	-	33 Month Roth IRA
0.55%	$1k	-	2 Year IRA
0.55%	$1k	-	2 Year SEP IRA
0.55%	$1k	-	2 Year CESA
0.55%	$1k	-	2 Year Roth IRA
0.40%	$1k	-	18 Month IRA
0.40%	$1k	-	21 Month IRA
0.40%	$1k	-	18 Month SEP IRA
0.40%	$1k	-	21 Month SEP IRA
0.40%	$1k	-	18 Month CESA
0.40%	$1k	-	18 Month Roth IRA
0.40%	$1k	-	21 Month CESA
0.40%	$1k	-	21 Month Roth IRA
0.35%	$1k	-	91-364 Day IRA
0.35%	$1k	-	91-364 Day SEP IRA
0.35%	$1k	-	91-364 Day CESA
0.35%	$1k	-	91-364 Day Roth IRA
0.30%	$1k	-	1 Year IRA
0.30%	$1k	-	1 Year SEP IRA
0.30%	$1k	-	1 Year CESA
0.30%	$1k	-	1 Year Roth IRA
0.25%	$1k	-	9 Month IRA
0.25%	$1k	-	11 Month IRA
0.25%	$1k	-	9 Month SEP IRA
0.25%	$1k	-	11 Month SEP IRA
0.25%	$1k	-	9 Month CESA
0.25%	$1k	-	9 Month Roth IRA
0.25%	$1k	-	11 Month CESA
0.25%	$1k	-	11 Month Roth IRA
0.20%	$1k	-	8 Month IRA
0.20%	$1k	-	8 Month SEP IRA
0.20%	$1k	-	8 Month CESA
0.20%	$1k	-	8 Month Roth IRA
0.15%	$1k	-	5 Month GNB Special IRA
0.15%	$1k	-	5 Month GNB Special SEP IRA
0.15%	$1k	-	5 Month GNB Special CESA
0.15%	$1k	-	5 Month GNB Special Roth IRA
0.10%	$1k	-	90 Day IRA
0.10%	$1k	-	90 Day SEP IRA
0.10%	$1k	-	90 Day CESA
0.10%	$1k	-	90 Day Roth IRA
0.05%	$1k	-	7-89 Day IRA
0.05%	$1k	-	7-89 Day SEP IRA
0.05%	$1k	-	7-89 Day CESA
0.05%	$1k	-	7-89 Day Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Greenville National Bank
FDIC Certificate #	13703
BankRate Report	View
Year Established	1934
Employees	81
Primary Regulator	OCC
Assets and Liabilities
Assets	$376.62 million
Loans	$227.40 million
Deposits	$313.68 million
Equity Capital	$35.48 million
Loan Loss Allowance	$2.62 million
Unbacked Noncurrent Loans	$2.20 million
Historic Data - March 2011
Assets	$356.92 million
Equity Capital	$31.73 million
Loan Loss Allowance	$2.85 million
Unbacked Noncurrent Loans	$2.37 million
Real Estate Owned	$95,000
Profit Margin - Quarterly
Net Interest Margin	3.76%
Return on Assets	1.13%
Return on Equity	11.87%
Interest Income	$4.02 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 Greenville National Bank had $2.2 million in non-current loans and owned real-estate with $38.1 million in equity and loan loss allowances on hand to cover it. This gives Greenville National Bank a Texas Ratio of 5.78% 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 Greenville National Bank decreased slightly from 7.13% as of March 31, 2011 to 5.78% as of March 31, 2012, resulting in a positive change of 18.90%.This indicates that the balance sheet and financial strength for Greenville National Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Greenville National Bank has increased its total deposits by $14.52 million, resulting in 4.85% 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 Greenville National 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. Greenville National Bank has $376.62 million in assets with $38.1 million in equity, resulting in a capitalization level of 10.12%, which is above average.

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