New Windsor State Bank

New Windsor State Bank is headquartered in New Windsor and is the 39^th largest bank in the state of Maryland. It is also the 2,420^th largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 81 employees at 7 locations. New Windsor State Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics New Windsor State Bank FDIC Certificate # 5866 BankRate Report View Year Established 1932 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $266.81 million Loans $194.36 million Deposits $243.14 million Equity Capital $22.30 million Loan Loss Allowance $4.04 million Unbacked Noncurrent Loans $6.96 million Real Estate Owned $1.23 million Historic Data - March 2011 Assets $259.57 million Equity Capital $23.60 million Loan Loss Allowance $2.68 million Unbacked Noncurrent Loans $6.57 million Real Estate Owned $2.56 million Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets 0.24% Return on Equity 2.82% Interest Income $2.84 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 New Windsor State Bank had $8.19 million in non-current loans and owned real-estate with $26.34 million in equity and loan loss allowances on hand to cover it. This gives New Windsor State Bank a Texas Ratio of 31.08% 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 New Windsor State Bank held steady from 35.55% as of March 31, 2011 to 31.08% as of March 31, 2012, resulting in a positive change of 12.57%.This indicates that the balance sheet and financial strength for New Windsor State Bank has held steady in recent periods. Deposit Growth In the past year, New Windsor State Bank has increased its total deposits by $8.55 million, resulting in 3.65% 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 New Windsor State 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. New Windsor State Bank has $266.81 million in assets with $26.34 million in equity, resulting in a capitalization level of 9.87%, which is average.

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