Hartford Savings Bank

1400 Schauer Drive
Hartford, WI 53027
(800) 844-3812
www.hartfordsavingsbank.com

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Hartford Savings Bank is headquartered in Hartford and is the 110^st largest bank in the state of Wisconsin. It is also the 3,185^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 36 employees at 4 locations. Hartford Savings Bank has a 2-star health rating.

Hartford Savings Bank Routing Number: 275971003

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

Hartford Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.05%	$2,500	-	Classic Checking Account
0.03%	$100	-	55 Plus Checking Account
0.03%	$100	-	Student Checking Account

Hartford Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	Holiday Club Saving Account
0.10%	-	-	HSB Saving Account

Hartford Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.25%	$100k	-	MEGA Money Market

Hartford Savings Bank CD Rates

Apy	Min	Max	Product
1.25%	$500	-	4 Year Certificate CD
1.10%	$500	-	3 Year Certificate CD
1.02%	$100	-	18 Month Kids $mart $tart Certificate
1.00%	$2,500	-	32 Month Trade-Up CD
0.80%	$500	-	2.5 Year Certificate CD
0.70%	$500	-	2 Year Certificate CD
0.50%	$500	-	1.5 Year Certificate CD
0.40%	$500	-	1 Year Certificate CD
0.30%	$1k	-	6 Month Certificate CD
0.25%	$1k	-	91 Day Certificate CD
0.20%	$1k	-	32 Day Certificate CD

Hartford Savings Bank IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	4 Year Certificate IRA
1.25%	$500	-	4 Year Certificate Roth IRA
1.25%	$500	-	4 Year Certificate CESA
1.25%	$500	-	4 Year Certificate SEP IRA
1.10%	$500	-	3 Year Certificate IRA
1.10%	$500	-	3 Year Certificate Roth IRA
1.10%	$500	-	3 Year Certificate CESA
1.10%	$500	-	3 Year Certificate SEP IRA
1.00%	$2,500	-	32 Month Trade-Up IRA
1.00%	$2,500	-	32 Month Trade-Up Roth IRA
1.00%	$2,500	-	32 Month Trade-Up CESA
1.00%	$2,500	-	32 Month Trade-Up SEP IRA
0.80%	$500	-	2.5 Year Certificate IRA
0.80%	$500	-	2.5 Year Certificate Roth IRA
0.80%	$500	-	2.5 Year Certificate CESA
0.80%	$500	-	2.5 Year Certificate SEP IRA
0.70%	$500	-	2 Year Certificate IRA
0.70%	$500	-	2 Year Certificate Roth IRA
0.70%	$500	-	2 Year Certificate CESA
0.70%	$500	-	2 Year Certificate SEP IRA
0.50%	$500	-	1.5 Year Certificate IRA
0.50%	$100	-	18 Month Variable Rate IRA
0.50%	$500	-	1.5 Year Certificate Roth IRA
0.50%	$100	-	18 Month Variable Rate Roth IRA
0.50%	$500	-	1.5 Year Certificate CESA
0.50%	$500	-	1.5 Year Certificate SEP IRA
0.50%	$100	-	18 Month Variable Rate CESA
0.50%	$100	-	18 Month Variable Rate SEP IRA
0.40%	$500	-	1 Year Certificate IRA
0.40%	$500	-	1 Year Certificate Roth IRA
0.40%	$500	-	1 Year Certificate CESA
0.40%	$500	-	1 Year Certificate SEP IRA
0.30%	$1k	-	6 Month Certificate IRA
0.30%	$1k	-	6 Month Certificate Roth IRA
0.30%	$1k	-	6 Month Certificate CESA
0.30%	$1k	-	6 Month Certificate SEP IRA
0.25%	$1k	-	91 Day Certificate IRA
0.25%	$1k	-	91 Day Certificate Roth IRA
0.25%	$1k	-	91 Day Certificate CESA
0.25%	$1k	-	91 Day Certificate SEP IRA
0.20%	$1k	-	32 Day Certificate IRA
0.20%	$1k	-	32 Day Certificate Roth IRA
0.20%	$1k	-	32 Day Certificate CESA
0.20%	$1k	-	32 Day Certificate SEP IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Hartford Savings Bank
FDIC Certificate #	28531
BankRate Report	View
Year Established	1916
Employees	36
Primary Regulator	FDIC
Assets and Liabilities
Assets	$195.51 million
Loans	$133.44 million
Deposits	$173.31 million
Equity Capital	$19.98 million
Loan Loss Allowance	$1.92 million
Unbacked Noncurrent Loans	$11.18 million
Real Estate Owned	$996,000
Historic Data - March 2011
Assets	$209.73 million
Equity Capital	$18.73 million
Loan Loss Allowance	$1.50 million
Unbacked Noncurrent Loans	$9.83 million
Real Estate Owned	$1.06 million
Profit Margin - Quarterly
Net Interest Margin	3.58%
Return on Assets	0.26%
Return on Equity	2.55%
Interest Income	$1.99 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 March 31, 2012 Hartford Savings Bank had $12.17 million in non-current loans and owned real-estate with $21.9 million in equity and loan loss allowances on hand to cover it. This gives Hartford Savings Bank a Texas Ratio of 55.58% 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 Hartford Savings Bank held steady from 53.83% as of March 31, 2011 to 55.58% as of March 31, 2012, resulting in a negative change of 3.25%. This indicates that the balance sheet and financial strength for Hartford Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Hartford Savings Bank has decreased its total deposits by -$15.92 million, resulting in -8.41% 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 Hartford Savings Bank 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. Hartford Savings Bank has $195.5 million in assets with $21.9 million in equity, resulting in a capitalization level of 11.20%, which is above average.