Millbury Savings Bank

109 Elm Street
Millbury, MA 1527
(508) 865-5811
www.millburysavings.com

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Millbury Savings Bank is headquartered in Millbury and is the 113^st largest bank in the state of Massachusetts. It is also the 3,040^th largest bank in the nation. It was established in 1854 and as of March of 2012, it had grown to 34 employees at 3 locations. Millbury Savings Bank's savings rates are 2X the national average, and it has a 3-star health rating.

Millbury Savings Bank Routing Number: 211370639

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

Millbury Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.25%	$5k	-	Gateway Rewards Checking
0.25%	$5k	-	Gateway Commercial Checking
0.10%	-	-	Gateway SuperSaver Checking

Millbury Savings Bank Savings Account Rates

Apy	Min	Max	Product
1.28%	-	-	Statement Savings IRA Relationship Account
1.02%	-	-	Statement Savings IRA
0.46%	-	-	Statement Savings Relationship Account
0.20%	-	-	Passbook Savings
0.20%	-	-	Statement Savings
0.20%	-	-	Small Business Statement Savings

Millbury Savings Bank Money Market Rates

Apy	Min	Max	Product
0.76%	$250k	-	Gateway Money Market
0.76%	$250k	-	Gateway Commercial Money Market

Millbury Savings Bank CD Rates

Apy	Min	Max	Product
1.79%	$500	-	48 Month Relationship CD
1.69%	$500	-	36 Month Relationship CD
1.53%	$500	-	48 Month CD
1.43%	$500	-	36 Month CD
1.17%	$500	-	24 Month Relationship CD
1.17%	$500	-	30 Month Relationship CD
0.92%	$500	-	24 Month CD
0.92%	$500	-	30 Month CD
0.92%	$500	-	18 Month Relationship CD
0.76%	$500	-	12 Month Relationship CD
0.66%	$500	-	12 Month CD
0.66%	$500	-	18 Month CD
0.50%	$500	-	6 Month Relationship CD
0.50%	$500	-	9 Month Relationship CD
0.40%	$500	-	6 Month CD
0.40%	$500	-	9 Month CD
0.35%	$500	-	3 Month Relationship CD
0.25%	$500	-	3 Month CD

Millbury Savings Bank IRA Rates

Apy	Min	Max	Product
1.79%	$500	-	48 Month Relationship IRA CD
1.69%	$500	-	36 Month Relationship IRA CD
1.53%	$500	-	48 Month IRA CD
1.43%	$500	-	36 Month IRA CD
1.17%	$500	-	24 Month Relationship IRA CD
1.17%	$500	-	30 Month Relationship IRA CD
0.92%	$500	-	24 Month IRA CD
0.92%	$500	-	30 Month IRA CD
0.92%	$500	-	12 Month Relationship IRA CD
0.92%	$500	-	18 Month Relationship IRA CD
0.66%	$500	-	12 Month IRA CD
0.66%	$500	-	18 Month IRA CD
0.65%	$500	-	6 Month Relationship IRA CD
0.65%	$500	-	9 Month Relationship IRA CD
0.50%	$500	-	3 Month Relationship IRA CD
0.40%	$500	-	6 Month IRA CD
0.40%	$500	-	9 Month IRA CD
0.25%	$500	-	3 Month IRA CD

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Millbury Savings Bank
FDIC Certificate #	21920
BankRate Report	View
Year Established	1854
Employees	34
Primary Regulator	FDIC
Assets and Liabilities
Assets	$206.17 million
Loans	$118.43 million
Deposits	$167.39 million
Equity Capital	$22.27 million
Loan Loss Allowance	$1.09 million
Unbacked Noncurrent Loans	$3.35 million
Real Estate Owned	$819,000
Historic Data - March 2011
Assets	$202.66 million
Equity Capital	$21.29 million
Loan Loss Allowance	$960,000
Unbacked Noncurrent Loans	$1.48 million
Real Estate Owned	$182,000
Profit Margin - Quarterly
Net Interest Margin	3.23%
Return on Assets	0.4%
Return on Equity	3.72%
Interest Income	$2.01 million

Institution Health

Overall Score:

3 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 Millbury Savings Bank had $4.17 million in non-current loans and owned real-estate with $23.36 million in equity and loan loss allowances on hand to cover it. This gives Millbury Savings Bank a Texas Ratio of 17.84% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Millbury Savings Bank increased slightly from 7.47% as of March 31, 2011 to 17.84% as of March 31, 2012, resulting in a negative change of 138.74%. This indicates that the balance sheet and financial strength for Millbury Savings Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Millbury Savings Bank has increased its total deposits by $6.99 million, resulting in 4.36% 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 Millbury 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. Millbury Savings Bank has $206.17 million in assets with $23.36 million in equity, resulting in a capitalization level of 11.33%, which is above average.

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