Leader Bank, National Association

Leader Bank, National Association is headquartered in Arlington and is the 53^rd largest bank in the state of Massachusetts. It is also the 1,279^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 155 employees at 5 locations. Leader Bank, National Association has a 5-star health rating.

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Leader Bank, National Association CD Rates

Data for Q1 2012

Institution Statistics Leader Bank, National Association FDIC Certificate # 57134 BankRate Report View Year Established 2002 Employees 155 Primary Regulator OCC Assets and Liabilities Assets $529.44 million Loans $418.33 million Deposits $365.89 million Equity Capital $63.95 million Loan Loss Allowance $3.60 million Unbacked Noncurrent Loans $1.24 million Historic Data - March 2011 Assets $362.51 million Equity Capital $44.79 million Loan Loss Allowance $2.84 million Unbacked Noncurrent Loans $760,000 Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 1.91% Return on Equity 15.79% Interest Income $5.13 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 Leader Bank, National Association had $1.24 million in non-current loans and owned real-estate with $67.55 million in equity and loan loss allowances on hand to cover it. This gives Leader Bank, National Association a Texas Ratio of 1.83% 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 Leader Bank, National Association held steady from 1.60% as of March 31, 2011 to 1.83% as of March 31, 2012, resulting in a negative change of 14.67%. This indicates that the balance sheet and financial strength for Leader Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Leader Bank, National Association has increased its total deposits by $138.65 million, resulting in 61.01% 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 Leader Bank, National Association 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. Leader Bank, National Association has $529.44 million in assets with $67.55 million in equity, resulting in a capitalization level of 12.76%, which is excellent.

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