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Overview / Commentary
410-658-5504
6 Pearl Street
Rising Sun, MD 21911

NBRS Financial Bank is headquartered in Rising Sun and is the 45th largest bank in the state of Maryland. It is also the 2,997th largest bank in the nation. It was established in 1880 and as of March of 2014, it had grown to 54 employees at 6 locations. NBRS Financial Bank has a C- health rating.

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Reviews (1)

Management Is Weak.

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



Health

Data for Q1 2014

Institution Health

C-

Texas Ratio

GRADE:
C-

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 March 31, 2014 NBRS Financial Bank had $7.44 million in non-current loans and owned real-estate with $11.37 million in equity and loan loss allowances on hand to cover it. This gives NBRS Financial Bank a Texas Ratio of 65.43% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for NBRS Financial Bank experienced no significant changes from 61.41% as of March 31, 2013 to 65.43% as of March 31, 2014, resulting in a negative change of 6.54%. This indicates that the balance sheet and financial strength for NBRS Financial Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C-

In the past year, NBRS Financial Bank has decreased its total deposits by -$8.24 million, resulting in -4.02% 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.

Capitalization

GRADE:
C-

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 $206.12 million in assets with $11.37 million in equity, resulting in a capitalization level of 5.51%, which is below average.

Institution Statistics

Overall
FDIC Certificate #4862
Year Established1880
Employees54
Primary RegulatorFED
Assets and Liabilities
Assets$206.12 million
Loans$129.16 million
Deposits$196.63 million
Equity Capital$6.64 million
Loan Loss Allowance$4.72 million
Unbacked Noncurrent Loans$4.87 million
Real Estate Owned$2.56 million
Historic Data - March 2013
Assets$218.66 million
Equity Capital$10.90 million
Loan Loss Allowance$4.32 million
Unbacked Noncurrent Loans$4.87 million
Real Estate Owned$2.78 million
Profit Margin - Quarterly
Net Interest Margin3.36%
Return on Assets0.03%
Return on Equity0.81%
Interest Income$1.88 million
Rates

Always verify rates and promotions with the bank or credit union. We are not NBRS Financial Bank, we are a rate comparison website and can not provide official rates or promotions.

NBRS Financial Bank Savings Account Rates

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

NBRS Financial Bank Money Market Rates

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

NBRS Financial Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.17%--E-Checking
0.08%$500-Now Account

NBRS Financial Bank CD Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
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
Locations


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