NBRS Financial Bank

6 Pearl Street
Rising Sun, MD 21911
410-658-5504
www.nbrs.com

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NBRS Financial Bank is headquartered in Rising Sun and is the 42^nd largest bank in the state of Maryland. It is also the 2,540^th largest bank in the nation. It was established in 1880 and as of September of 2011, it had grown to 69 employees at 8 locations. NBRS Financial Bank's savings rates are 44% higher than the national average, but it has a 2-star health rating.

NBRS Financial Bank Routing Number: 055001986

NBRS Kasasa Accounts: Drop To .80% And .65% From 4.01% And 1.75 APY, No Bal Cap, No Debit Requirements Now (Forum) - 12/3/2010

NBRS sent a notice on 12/3/10 that effective 12/1/10 their Kasasa market leading rates will end.

Reward Checking and Savings Accounts at NBRS Financial Bank - Available in Parts of MD & PA - 11/7/2010

I first reported on NBRS Financial Bank and its reward checking account in April 2008 . The reward checking account is now called Kasasa Cash . It continues to pay a competitive rate, and now it can b ...

2.75% 12-Month CD at NBRS Financial Bank in MD & PA - 4/6/2009

NBRS Financial Bank is offering a CD special with two competitive rates: 2.75% APY for 12 months and 2.25% APY for 6 months. Minimum deposit is $1,000. The special is listed on the bank's home page as of 4/06/09.I first posted on this bank almost a year...

High-Yield Reward Checking Account at a MD/PA Bank (NBRS Financial) - 4/10/2008

Update 6/27/09: The top rate has fallen to 4.26% APY. See bottom of the post for the rate history.NBRS Financial Bank has a reward checking account that pays 4.26% APY for balances up to $25,000 (1.01% for above) and refunds ATM fees if the following...

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

NBRS Financial Bank Checking Account Rates

Apy	Min	Max	Product
0.35%	-	-	E-Checking
0.08%	$500	-	Now Account

NBRS Financial Bank Savings Account Rates

Apy	Min	Max	Product
0.75%	-	-	Holiday Savings
0.10%	-	-	Auto Save
0.08%	$25	-	Statement Savings

NBRS Financial Bank Money Market Rates

Apy	Min	Max	Product
0.33%	$25k	-	Money Market Special
0.25%	$25k	-	Money Market

NBRS Financial Bank CD Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month CD
1.75%	$500	-	60 Month CD Promo
1.05%	$500	-	48 Month CD
1.01%	$500	-	36 Month CD
0.80%	$500	-	24 Month CD
0.50%	$500	-	30 Month CD
0.45%	$500	-	18 Month CD
0.40%	$1k	-	12 Month CD
0.35%	$2,500	-	6 Month CD
0.35%	$1k	-	9 Month CD
0.20%	$5k	-	3 Month CD

NBRS Financial Bank IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month IRA
1.75%	$500	-	60 Month Roth IRA
1.75%	$500	-	60 Month IRA Promo
1.75%	$500	-	60 Month Roth IRA Promo
1.05%	$500	-	48 Month IRA
1.05%	$500	-	48 Month Roth IRA
1.01%	$500	-	36 Month IRA
1.01%	$500	-	36 Month Roth IRA
0.80%	$500	-	24 Month IRA
0.80%	$500	-	24 Month Roth IRA
0.50%	$200	-	30 Month Variable IRA
0.50%	$500	-	30 Month IRA
0.50%	$200	-	30 Month Variable Roth IRA
0.50%	$500	-	30 Month Roth IRA
0.45%	$500	-	18-Month IRA
0.45%	$500	-	18 Month Roth IRA
0.40%	$1k	-	12 Month IRA
0.40%	$1k	-	12 Month Roth IRA
0.35%	$1k	-	9 Month IRA
0.35%	$1k	-	9 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

NBRS Financial
FDIC Certificate #	4862
BankRate Report	View
Year Established	1880
Employees	69
Primary Regulator	FED
Assets and Liabilities
Assets	$250.07 million
Loans	$183.71 million
Deposits	$230.03 million
Equity Capital	$17.02 million
Loan Loss Allowance	$5.37 million
Unbacked Noncurrent Loans	$12.43 million
Real Estate Owned	$1.52 million
Historic Data - September 2010
Assets	$264.46 million
Equity Capital	$18.23 million
Loan Loss Allowance	$7.06 million
Unbacked Noncurrent Loans	$9.71 million
Real Estate Owned	$1.03 million
Profit Margin - Quarterly
Net Interest Margin	3.92%
Return on Assets	-0.06%
Return on Equity	-1.01%
Interest Income	$9.02 million

Institution Health

Overall Score:

2 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 September 30, 2011 NBRS Financial Bank had $13.95 million in non-current loans and owned real-estate with $22.39 million in equity and loan loss allowances on hand to cover it. This gives NBRS Financial Bank a Texas Ratio of 62.30% which is below average. 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 42.47% as of September 30, 2010 to 62.30% as of September 30, 2011, resulting in a negative change of 46.68%. 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 -$12.93 million, resulting in -5.32% 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 poor.
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. NBRS Financial Bank has $250.07 million in assets with $22.39 million in equity, resulting in a capitalization level of 8.95%, which is average.