Investors Bank

101 JFK Parkway
Short Hills, NJ 07078
800-252-8119
www.myinvestorsbank.com

FDIC

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Investors Savings Bank strives to provide high-quality products and services in an honest and straightforward manner while operating responsibly and ethically, so that their clients, employees, stockholders and communities may prosper

2.00% 24-Month CD At Several Branches In NJ (Forum) - 6/7/2010

Investors Savings Bank's 2-year CD is fairly competitive with a 2.00% APY. Their other CD terms are a little low. Keep a look-out for new branches. They often have great new-branch specials. Branches are located throughout New Jersey. Its ratings

Another 2% Money Market Special & $200 Checking Bonus at Investors Savings Bank at Two NJ Branches - Local Only - 5/9/2010

Investors Savings Bank is having two more grand opening specials at two of its Newark, New Jersey branches. These appear to be very similar to the promotion I reported in April . This new promotion w ...

Grand Opening Special with 2% Money Market and $200 Checking Bonus at Investors Savings Bank in NJ - Local Only - 4/22/2010

Investors Savings Bank has two attractive new-account grand opening specials at two of its New Jersey branches. These are not listed at the bank's website. A reader emailed me news about these being ...

Investors Savings Bank In New Jersey Is Offering A $100 Bonus For Opening A Checking Account With (Forum) - 3/10/2010

Investors Savings Bank in New Jersey is offering a $100 bonus for opening a checking account with direct deposit. Must be new account and bonus is automatically credited in $25 increments at the end of each quarter, starting in the first quarter following

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

Investors Bank Checking Account Rates

Apy	Min	Max	Product
0.30%	$1m	-	ISB Not-For-Profit Checking Account
0.25%	$100k	-	High Yield Checking
0.15%	$2,500	-	Business Edge Checking
0.10%	$2,500	-	Preferred Checking
0.10%	$2,500	-	Edge Checking
0.10%	$2,500	-	Edge 50 Checking

Investors Bank Savings Account Rates

Apy	Min	Max	Product
0.35%	-	-	IOLTA
0.25%	-	-	Statement Savings Retirement Account
0.25%	$5k	-	High Yield Savings Account
0.25%	-	-	Commercial Sweep Account
0.20%	-	-	Attorney Escrow Account
0.10%	-	-	Landlord/Tenant Account
0.05%	$50	-	Passbook Account
0.05%	$50	-	Statement Savings Account

Investors Bank Money Market Rates

Apy	Min	Max	Product
0.35%	$2m	-	Business Money Market Account
0.35%	$500k	-	Investors Edge Money Market Account
0.30%	$100k	-	Retirement Money Market Savings
0.30%	$100k	-	Roth IRA Money Market Savings
0.20%	$25k	-	Preferred Money Market Account
0.10%	$2,500	-	Investors Money Market Account
0.10%	$2,500	-	Fifty & Free Money Market Account

Investors Bank CD Rates

Apy	Min	Max	Product
1.25%	$500	-	10 Year CD
1.00%	$500	-	5 Year CD
0.75%	$500	-	4 Year CD
0.60%	$500	-	36 Month CD
0.60%	$500	-	42 Month CD
0.45%	$500	-	24 Month CD
0.45%	$500	-	24 Month Step-Up CD
0.45%	$500	-	25 Month CD
0.45%	$500	-	30 Month CD
0.40%	$500	-	18 Month CD
0.30%	$500	-	15 Month Step-Up CD
0.25%	$500	-	12 Month CD
0.25%	$500	-	13 Month CD
0.25%	$500	-	14 Month CD
0.25%	$500	-	15 Month CD
0.20%	$500	-	91 Day CD
0.20%	$500	-	4 Month CD
0.20%	$500	-	5 Month CD
0.20%	$500	-	6 Month CD
0.20%	$500	-	7 Month CD
0.20%	$500	-	8 Month CD
0.20%	$500	-	9 Month CD
0.20%	$500	-	10 Month CD
0.15%	$10k	-	91 Day Liquid CD
0.15%	$10k	-	6 Month Liquid CD

Investors Bank IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	10 Year IRA
1.25%	$500	-	10 Year Roth IRA
1.00%	$500	-	5 Year IRA
1.00%	$500	-	5 Year Roth IRA
0.75%	$500	-	4 Year IRA
0.75%	$500	-	4 Year Roth IRA
0.60%	$500	-	36 Month IRA
0.60%	$500	-	42 Month IRA
0.60%	$500	-	36 Month Roth IRA
0.60%	$500	-	42 Month Roth IRA
0.45%	$500	-	24 Month IRA
0.45%	$500	-	24 Month Step-Up IRA
0.45%	$500	-	25 Month IRA
0.45%	$500	-	30 Month IRA
0.45%	-	-	30 Month Variable IRA
0.45%	$500	-	24 Month Roth IRA
0.45%	$500	-	24 Month Step-Up Roth IRA
0.45%	$500	-	25 Month Roth IRA
0.45%	$500	-	30 Month Roth IRA
0.45%	-	-	30 Month Variable Roth IRA
0.40%	$500	-	18 Month IRA
0.40%	$500	-	18 Month Roth IRA
0.30%	$500	-	15 Month Step-Up IRA
0.30%	$500	-	15 Month Step-Up Roth IRA
0.25%	$500	-	12 Month IRA
0.25%	$500	-	13 Month IRA
0.25%	$500	-	14 Month IRA
0.25%	$500	-	15 Month IRA
0.25%	$500	-	12 Month Roth IRA
0.25%	$500	-	13 Month Roth IRA
0.25%	$500	-	14 Month Roth IRA
0.25%	$500	-	15 Month Roth IRA
0.20%	$500	-	4 Month IRA
0.20%	$500	-	5 Month IRA
0.20%	$500	-	6 Month IRA
0.20%	$500	-	7 Month IRA
0.20%	$500	-	8 Month IRA
0.20%	$500	-	9 Month IRA
0.20%	$500	-	10 Month IRA
0.20%	$500	-	4 Month Roth IRA
0.20%	$500	-	5 Month Roth IRA
0.20%	$500	-	6 Month Roth IRA
0.20%	$500	-	7 Month Roth IRA
0.20%	$500	-	8 Month Roth IRA
0.20%	$500	-	9 Month Roth IRA
0.20%	$500	-	10 Month Roth IRA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

Investors Bank
OTS #	2573
FDIC Certificate #	28892
BankRate Report	View
Year Established	1926
Employees	1193
Primary Regulator	FDIC
Assets and Liabilities
Assets	$12.68 billion
Loans	$10.33 billion
Deposits	$8.83 billion
Equity Capital	$987.60 million
Loan Loss Allowance	$142.17 million
Unbacked Noncurrent Loans	$118.34 million
Real Estate Owned	$8.09 million
Historic Data - December 2011
Assets	$10.67 billion
Equity Capital	$882.55 million
Loan Loss Allowance	$117.24 million
Unbacked Noncurrent Loans	$139.05 million
Real Estate Owned	$3.08 million
Profit Margin - Quarterly
Net Interest Margin	3.46%
Return on Assets	0.77%
Return on Equity	9.5%
Interest Income	$499.76 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 December 31, 2012 Investors Bank had $126.43 million in non-current loans and owned real-estate with $1.13 billion in equity and loan loss allowances on hand to cover it. This gives Investors Bank a Texas Ratio of 11.19% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Investors Bank decreased slightly from 14.23% as of December 31, 2011 to 11.19% as of December 31, 2012, resulting in a positive change of 21.34%.This indicates that the balance sheet and financial strength for Investors Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Investors Bank has increased its total deposits by $1.41 billion, resulting in 19.05% 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 Investors Bank has shown is excellent.
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. Investors Bank has $12.68 billion in assets with $1.13 billion in equity, resulting in a capitalization level of 8.91%, which is average.