Mifflin County Savings Bank

Mifflin County Savings Bank is headquartered in Lewistown and is the 162^nd largest bank in the state of Pennsylvania. It is also the 4,268^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 32 employees at 5 locations. Mifflin County Savings Bank's savings rates are 2X the national average, and it has a 4-star health rating.

Mifflin County Savings Bank Routing Number: 231372811

Mifflin County Savings Bank Checking Account Rates

Mifflin County Savings Bank Savings Account Rates

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Mifflin County Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Mifflin County Savings Bank FDIC Certificate # 28186 BankRate Report View Year Established 1923 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $129.27 million Loans $92.34 million Deposits $112.78 million Equity Capital $15.19 million Loan Loss Allowance $840,000 Unbacked Noncurrent Loans $1.45 million Real Estate Owned $24,000 Historic Data - March 2011 Assets $125.55 million Equity Capital $13.98 million Loan Loss Allowance $916,000 Unbacked Noncurrent Loans $833,000 Real Estate Owned $521,000 Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets 0.8% Return on Equity 6.76% Interest Income $1.47 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 March 31, 2012 Mifflin County Savings Bank had $1.47 million in non-current loans and owned real-estate with $16.03 million in equity and loan loss allowances on hand to cover it. This gives Mifflin County Savings Bank a Texas Ratio of 9.19% 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 Mifflin County Savings Bank held steady from 9.09% as of March 31, 2011 to 9.19% as of March 31, 2012, resulting in a negative change of 1.10%. This indicates that the balance sheet and financial strength for Mifflin County Savings Bank has held steady in recent periods. Deposit Growth In the past year, Mifflin County Savings Bank has increased its total deposits by $3.36 million, resulting in 3.07% 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 Mifflin County 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. Mifflin County Savings Bank has $129.27 million in assets with $16.03 million in equity, resulting in a capitalization level of 12.40%, which is excellent.

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