Naugatuck Savings Bank

Naugatuck Savings Bank is headquartered in Naugatuck and is the 11^st largest bank in the state of Connecticut. It is also the 708^th largest bank in the nation. It was established in 1870 and as of December of 2012, it had grown to 225 employees at 23 locations. Naugatuck Savings Bank has a 3-star health rating.

Naugatuck Savings Bank Routing Number: 211174178

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Data for Q4 2012

Institution Statistics Naugatuck Savings Bank FDIC Certificate # 18198 BankRate Report View Year Established 1870 Employees 225 Primary Regulator FDIC Assets and Liabilities Assets $941.98 million Loans $750.61 million Deposits $759.29 million Equity Capital $83.01 million Loan Loss Allowance $10.51 million Unbacked Noncurrent Loans $23.89 million Real Estate Owned $519,000 Historic Data - December 2011 Assets $915.57 million Equity Capital $81.49 million Loan Loss Allowance $9.16 million Unbacked Noncurrent Loans $23.06 million Real Estate Owned $546,000 Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.32% Return on Equity 3.59% Interest Income $39.57 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 December 31, 2012 Naugatuck Savings Bank had $24.41 million in non-current loans and owned real-estate with $93.52 million in equity and loan loss allowances on hand to cover it. This gives Naugatuck Savings Bank a Texas Ratio of 26.10% 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 held steady from 26.79% as of December 31, 2011 to 26.10% as of December 31, 2012, resulting in a positive change of 2.57%.This indicates that the balance sheet and financial strength for Naugatuck Savings Bank has held steady in recent periods. Deposit Growth In the past year, Naugatuck Savings Bank has increased its total deposits by $17.67 million, resulting in 2.38% 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 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. Naugatuck Savings Bank has $941.98 million in assets with $93.52 million in equity, resulting in a capitalization level of 9.93%, which is average.