Mutual Federal Savings Bank, A FSB

Mutual Federal Savings Bank, A FSB is headquartered in Sidney and is the 136^th largest bank in the state of Ohio. It is also the 4,489^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 36 employees at 4 locations. Mutual Federal Savings Bank, A FSB's savings rates are 3X the national average, and it has a 4-star health rating.

Mutual Federal Savings Bank, A FSB Checking Account Rates

Mutual Federal Savings Bank, A FSB Savings Account Rates

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Mutual Federal Savings Bank, A FSB IRA Rates

Data for Q1 2012

Institution Statistics Mutual Federal Savings Bank, A FSB OTS # 04519 FDIC Certificate # 30001 BankRate Report View Year Established 1922 Employees 36 Primary Regulator OCC Assets and Liabilities Assets $119.02 million Loans $74.19 million Deposits $105.24 million Equity Capital $11.48 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $1.72 million Real Estate Owned $966,000 Historic Data - March 2011 Assets $119.01 million Equity Capital $16.45 million Loan Loss Allowance $2.23 million Unbacked Noncurrent Loans $3.99 million Real Estate Owned $242,000 Profit Margin - Quarterly Net Interest Margin 3.71% Return on Assets 0.34% Return on Equity 3.49% Interest Income $1.35 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 Mutual Federal Savings Bank, A FSB had $2.69 million in non-current loans and owned real-estate with $13.21 million in equity and loan loss allowances on hand to cover it. This gives Mutual Federal Savings Bank, A FSB a Texas Ratio of 20.33% 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 Mutual Federal Savings Bank, A FSB decreased slightly from 27.45% as of March 31, 2011 to 20.33% as of March 31, 2012, resulting in a positive change of 25.93%.This indicates that the balance sheet and financial strength for Mutual Federal Savings Bank, A FSB has improved slightly in recent periods. Deposit Growth In the past year, Mutual Federal Savings Bank, A FSB has increased its total deposits by $5.76 million, resulting in 5.79% 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 Mutual Federal Savings Bank, A FSB 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. Mutual Federal Savings Bank, A FSB has $119.02 million in assets with $13.21 million in equity, resulting in a capitalization level of 11.10%, which is above average.

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