Naugatuck Savings Bank

251 Church Street
Naugatuck, CT 6770
1.877.729.4442
www.naugatucksavingsbank.com

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Naugatuck Savings Bank is headquartered in Naugatuck and is the 13^st largest bank in the state of Connecticut. It is also the 696^th largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 222 employees at 20 locations. Naugatuck Savings Bank has a 3-star health rating.

Naugatuck Savings Bank Routing Number: 211174178

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

Naugatuck Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	$10k	-	Preferred Checking with Interest
0.10%	$10k	-	Preferred 50 Checking with Interest

Naugatuck Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.70%	$50k	-	Ka-Ching! Savings
0.50%	$5k	-	Health Savings Account
0.45%	$50k	-	Passbook Savings
0.45%	$50k	-	Statement Savings

Naugatuck Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.55%	$250k	-	Money Market Account

Naugatuck Savings Bank CD Rates

Apy	Min	Max	Product
1.70%	$500	-	60 Month CD
1.40%	$500	-	48 Month CD
1.10%	$500	-	36 Month CD
0.80%	$500	-	30 Month CD
0.70%	$500	-	24 Month CD
0.60%	$500	-	18 Month CD
0.35%	$500	-	12 Month CD
0.25%	$500	-	6 Month CD
0.25%	$500	-	9 Month CD
0.20%	$500	-	3 Month CD

Naugatuck Savings Bank IRA Rates

Apy	Min	Max	Product
1.70%	$500	-	60 Month IRA
1.70%	$500	-	60 Month Roth IRA
1.70%	$500	-	60 Month CESA
1.40%	$500	-	48 Month IRA
1.40%	$500	-	48 Month Roth IRA
1.40%	$500	-	48 Month CESA
1.10%	$500	-	36 Month IRA
1.10%	$500	-	36 Month Roth IRA
1.10%	$500	-	36 Month CESA
0.80%	$500	-	30 Month IRA
0.80%	$500	-	30 Month Roth IRA
0.80%	$500	-	30 Month CESA
0.70%	$500	-	24 Month IRA
0.70%	$500	-	24 Month Roth IRA
0.70%	$500	-	24 Month CESA
0.60%	$500	-	18 Month IRA
0.60%	$500	-	18 Month Roth IRA
0.60%	$500	-	18 Month CESA
0.39%	$500	-	18 Month Variable IRA
0.39%	$500	-	18 Month Variable Roth IRA
0.39%	$500	-	18 Month Variable CESA
0.35%	$500	-	12 Month IRA
0.35%	$500	-	12 Month Roth IRA
0.35%	$500	-	12 Month CESA
0.25%	$500	-	6 Month IRA
0.25%	$500	-	9 Month IRA
0.25%	$500	-	6 Month Roth IRA
0.25%	$500	-	9 Month Roth IRA
0.25%	$500	-	6 Month CESA
0.25%	$500	-	9 Month CESA
0.20%	$500	-	3 Month IRA
0.20%	$500	-	3 Month Roth IRA
0.20%	$500	-	3 Month CESA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Naugatuck Savings Bank
FDIC Certificate #	18198
BankRate Report	View
Year Established	1870
Employees	222
Primary Regulator	FDIC
Assets and Liabilities
Assets	$950.21 million
Loans	$746.43 million
Deposits	$772.09 million
Equity Capital	$83.43 million
Loan Loss Allowance	$9.41 million
Unbacked Noncurrent Loans	$23.82 million
Real Estate Owned	$546,000
Historic Data - March 2011
Assets	$886.10 million
Equity Capital	$84.20 million
Loan Loss Allowance	$7.93 million
Unbacked Noncurrent Loans	$16.43 million
Profit Margin - Quarterly
Net Interest Margin	3.69%
Return on Assets	0.43%
Return on Equity	4.85%
Interest Income	$9.92 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 Naugatuck Savings Bank had $24.36 million in non-current loans and owned real-estate with $92.84 million in equity and loan loss allowances on hand to cover it. This gives Naugatuck Savings Bank a Texas Ratio of 26.24% 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 Naugatuck Savings Bank increased slightly from 18.77% as of March 31, 2011 to 26.24% as of March 31, 2012, resulting in a negative change of 39.76%. This indicates that the balance sheet and financial strength for Naugatuck Savings Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Naugatuck Savings Bank has increased its total deposits by $54.68 million, resulting in 7.62% 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 Naugatuck 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. Naugatuck Savings Bank has $950.21 million in assets with $92.84 million in equity, resulting in a capitalization level of 9.77%, which is average.

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