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6 Pearl Street
Rising Sun, MD 21911

NBRS Financial Bank is headquartered in Rising Sun and is the 47th largest bank in the state of Maryland. It is also the 3,146th largest bank in the nation. It was established in 1880 and as of June of 2014, it had grown to 54 employees at 6 locations. NBRS Financial Bank has a D health rating.

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Management Is Weak.

Management of Rising Sun Bancorp's bank subsidiary, NBRS Financial Bank is very weak.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 NBRS Financial Bank had $15.53 million in non-current loans and owned real-estate with $10.69 million in equity and loan loss allowances on hand to cover it. This gives NBRS Financial Bank a Texas Ratio of 145.29% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for NBRS Financial Bank increased slightly from 62.19% as of June 30, 2013 to 145.29% as of June 30, 2014, resulting in a negative change of 133.64%. This indicates that the balance sheet and financial strength for NBRS Financial Bank has declined slightly in recent periods.

Deposit Growth


In the past year, NBRS Financial Bank has decreased its total deposits by -$16.26 million, resulting in -8.16% 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 NBRS Financial Bank has shown is below average.



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. NBRS Financial Bank has $191.13 million in assets with $10.69 million in equity, resulting in a capitalization level of 5.59%, which is below average.

Institution Statistics

FDIC Certificate #4862
Year Established1880
Primary RegulatorFED
Assets and Liabilities
Assets$191.13 million
Loans$122.67 million
Deposits$183.13 million
Equity Capital$5.15 million
Loan Loss Allowance$5.54 million
Unbacked Noncurrent Loans$12.73 million
Real Estate Owned$2.80 million
Historic Data - June 2013
Assets$212.54 million
Equity Capital$10.38 million
Loan Loss Allowance$3.37 million
Unbacked Noncurrent Loans$12.73 million
Real Estate Owned$2.74 million
Profit Margin - Quarterly
Return on Assets-1.67%
Return on Equity-55.75%
Interest Income$3.58 million

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NBRS Financial Bank Savings Account Rates

0.50%$25-Holiday Savings
0.10%--Auto Save
0.08%$25-Statement Savings

NBRS Financial Bank Money Market Rates

0.25%$25k-Money Market
0.25%$25k-Money Market Special

NBRS Financial Bank Checking Account Rates

0.08%$500-Now Account

NBRS Financial Bank CD Rates

1.07%$500-60 Month CD
1.07%$500-60 Month CD Promo
0.90%$500-48 Month CD
0.65%$500-36 Month CD
0.58%$500-24 Month CD
0.55%$500-30 Month CD
0.48%$500-18 Month CD
0.38%$1k-12 Month CD
0.35%$1k-9 Month CD
0.30%$2,500-6 Month CD
0.15%$5k-3 Month CD

NBRS Financial Bank IRA Rates

1.07%$500-60 Month IRA
1.07%$500-60 Month IRA Promo
0.90%$500-48 Month IRA
0.65%$500-36 Month IRA
0.58%$500-24 Month IRA
0.55%$500-30 Month IRA
0.50%$200-30 Month Variable IRA
0.48%$500-18 Month IRA
0.38%$1k-12 Month IRA
0.35%$1k-9 Month IRA

NBRS Financial Bank Locations
The Penn Hill Branch2006 Lancaster PikePeach Bottom, PA 17563
Aberdeen Branch201 West Bel Air AvenueAberdeen, MD 21001
Elkton Branch305 Augustine Herman HwyElkton, MD 21921
Dublin Branch3535 Conowingo RdStreet, MD 21154
Nbrs Financial6 Pearl StreetRising Sun, MD 21911
Harve De Grace Branch800 Revolution StreetHavre De Grace, MD 21078