Marlborough Savings Bank

Marlborough Savings Bank is headquartered in Marlborough and is the 62^nd largest bank in the state of Massachusetts. It is also the 1,481^st largest bank in the nation. It was established in 1860 and as of March of 2012, it had grown to 76 employees at 6 locations. Marlborough Savings Bank has a 5-star health rating.

Marlborough Savings Bank Routing Number: 211370752

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Data for Q1 2012

Institution Statistics Marlborough Savings Bank FDIC Certificate # 90235 BankRate Report View Year Established 1860 Employees 76 Primary Regulator FDIC Assets and Liabilities Assets $450.11 million Loans $255.22 million Deposits $371.39 million Equity Capital $44.54 million Loan Loss Allowance $2.97 million Unbacked Noncurrent Loans $2.98 million Real Estate Owned $675,000 Historic Data - March 2011 Assets $438.25 million Equity Capital $43.54 million Loan Loss Allowance $2.42 million Unbacked Noncurrent Loans $4.20 million Real Estate Owned $1.39 million Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 0.7% Return on Equity 7.09% Interest Income $4.30 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 Marlborough Savings Bank had $3.66 million in non-current loans and owned real-estate with $47.52 million in equity and loan loss allowances on hand to cover it. This gives Marlborough Savings Bank a Texas Ratio of 7.69% 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 Marlborough Savings Bank decreased slightly from 12.15% as of March 31, 2011 to 7.69% as of March 31, 2012, resulting in a positive change of 36.68%.This indicates that the balance sheet and financial strength for Marlborough Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Marlborough Savings Bank has increased its total deposits by $8.8 million, resulting in 2.43% 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 Marlborough Savings 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. Marlborough Savings Bank has $450.11 million in assets with $47.52 million in equity, resulting in a capitalization level of 10.56%, which is above average.

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