Monson Savings Bank

Monson Savings Bank is headquartered in Monson and is the 105^th largest bank in the state of Massachusetts. It is also the 2,563^rd largest bank in the nation. It was established in 1872 and as of March of 2012, it had grown to 65 employees at 3 locations. Monson Savings Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Monson Savings Bank Routing Number: 211871219

Monson Savings Bank Checking Account Rates

Monson Savings Bank Savings Account Rates

Monson Savings Bank CD Rates

Monson Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Monson Savings Bank FDIC Certificate # 90245 BankRate Report View Year Established 1872 Employees 65 Primary Regulator FDIC Assets and Liabilities Assets $251.13 million Loans $160.24 million Deposits $211.24 million Equity Capital $23.12 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $1.28 million Real Estate Owned $695,000 Historic Data - March 2011 Assets $238.32 million Equity Capital $21.32 million Loan Loss Allowance $3.20 million Unbacked Noncurrent Loans $1.01 million Real Estate Owned $91,000 Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 0.89% Return on Equity 9.64% Interest Income $2.40 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 Monson Savings Bank had $1.97 million in non-current loans and owned real-estate with $26.12 million in equity and loan loss allowances on hand to cover it. This gives Monson Savings Bank a Texas Ratio of 7.55% 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 Monson Savings Bank held steady from 4.49% as of March 31, 2011 to 7.55% as of March 31, 2012, resulting in a negative change of 67.95%. This indicates that the balance sheet and financial strength for Monson Savings Bank has held steady in recent periods. Deposit Growth In the past year, Monson Savings Bank has increased its total deposits by $21.68 million, resulting in 11.44% 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 Monson Savings Bank 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. Monson Savings Bank has $251.13 million in assets with $26.12 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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