Monadnock Community Bank

1 Jaffrey Road, PO Box 888
Peterborough, NH 03458
(888) 924-1250
www.monadnockbank.com

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Monadnock Community Bank is headquartered in Peterborough and is the 23^rd largest bank in the state of New Hampshire. It is also the 5,288^th largest bank in the nation. It was established in 1996 and as of September of 2011, it had grown to 17 employees at 1 location. Monadnock Community Bank has a 3-star health rating.

Monadnock Community Bank Routing Number: 211492478

Monadnock 5-Year CD Rate: 151% APY (Forum) - 9/28/2011

...obvious error (it should be 1.51% APY) on their website as well as here. Just something to wake us up and have a laugh:D

3.30% Reward Checking Account at a NH/MA Bank (Monadnock Community) - 3/14/2008

Update 8/08/09: The top rate has fallen to 3.30% APY. Please see bottom of post for the rate history.Monadnock Community Bank is offering a rewards checking account that pays 3.30% APY on balances up to $25,000 (1.01% for above) and refunds (up to $25...

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

Monadnock Community Bank Checking Account Rates

Apy	Min	Max	Product
0.75%	-	-	FREE Rewards Checking
0.25%	$100k	-	Consumer NOW Checking
0.25%	$100k	-	Business NOW Checking

Monadnock Community Bank Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Regular Savings
0.10%	-	-	IRA Savings

Monadnock Community Bank Money Market Rates

	Apy	Min	Max	Product
	0.25%	$100k	-	Money Market Savings

Monadnock Community Bank CD Rates

Apy	Min	Max	Product
1.01%	$1k	-	4 Year to < 5 Year CD
0.75%	$1k	-	3 Year to < 4 Year CD
0.65%	$1k	-	2 Year to < 3 Year CD
0.40%	$1k	-	1 Year to < 2 Year CD
0.30%	$1k	-	6 Month to < 1 Year CD
0.25%	$1k	-	3 Month to < 6 Month CD

Monadnock Community Bank IRA Rates

Apy	Min	Max	Product
1.01%	$1k	-	4 Year to < 5 Year IRA
0.75%	$1k	-	3 Year to < 4 Year IRA
0.65%	$1k	-	2 Year to < 3 Year IRA
0.40%	$1k	-	1 Year to < 2 Year IRA
0.30%	$1k	-	6 Month to < 1 Year IRA
0.25%	$1k	-	3 Month to < 6 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Monadnock Community Bank
OTS #	12716
FDIC Certificate #	34167
BankRate Report	View
Year Established	1996
Employees	17
Primary Regulator	OCC
Assets and Liabilities
Assets	$87.97 million
Loans	$51.83 million
Deposits	$46.85 million
Equity Capital	$8.77 million
Loan Loss Allowance	$559,000
Unbacked Noncurrent Loans	$951,000
Real Estate Owned	$564,000
Historic Data - September 2010
Assets	$110.47 million
Equity Capital	$10.08 million
Loan Loss Allowance	$1.06 million
Unbacked Noncurrent Loans	$1.85 million
Real Estate Owned	$947,000
Profit Margin - Quarterly
Net Interest Margin	1.9%
Return on Assets	-1.25%
Return on Equity	-13%
Interest Income	$2.67 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 September 30, 2011 Monadnock Community Bank had $1.52 million in non-current loans and owned real-estate with $9.33 million in equity and loan loss allowances on hand to cover it. This gives Monadnock Community Bank a Texas Ratio of 16.24% 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 Monadnock Community Bank decreased significantly from 46.36% as of September 30, 2010 to 16.24% as of September 30, 2011, resulting in a positive change of 64.97%.This indicates that the balance sheet and financial strength for Monadnock Community Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Monadnock Community Bank has decreased its total deposits by -$12.53 million, resulting in -21.1% 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 Monadnock Community Bank has shown is poor.
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. Monadnock Community Bank has $87.97 million in assets with $9.33 million in equity, resulting in a capitalization level of 10.61%, which is above average.