North Arundel Savings Bank, FSB

North Arundel Savings Bank, FSB is headquartered in Pasadena and is the 81^st largest bank in the state of Maryland. It is also the 6,729^th largest bank in the nation. It was established in 1956 and as of March of 2012, it had grown to 7 employees at 1 location. North Arundel Savings Bank, FSB has a 5-star health rating.

North Arundel Savings Bank, FSB Routing Number: 255072388

Data for Q1 2012

Institution Statistics North Arundel Savings Bank, FSB OTS # 06390 FDIC Certificate # 31109 BankRate Report View Year Established 1956 Employees 7 Primary Regulator OCC Assets and Liabilities Assets $38.46 million Loans $27.82 million Deposits $33.84 million Equity Capital $4.43 million Loan Loss Allowance $139,000 Unbacked Noncurrent Loans $58,000 Historic Data - March 2011 Assets $34.85 million Equity Capital $4.03 million Loan Loss Allowance $108,000 Unbacked Noncurrent Loans $531,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.7% Return on Equity 6% Interest Income $458,000

Institution Health Overall Score: 5 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 North Arundel Savings Bank, FSB had $58,000 in non-current loans and owned real-estate with $4.57 million in equity and loan loss allowances on hand to cover it. This gives North Arundel Savings Bank, FSB a Texas Ratio of 1.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for North Arundel Savings Bank, FSB decreased significantly from 12.83% as of March 31, 2011 to 1.27% as of March 31, 2012, resulting in a positive change of 90.10%.This indicates that the balance sheet and financial strength for North Arundel Savings Bank, FSB has improved significantly in recent periods. Deposit Growth In the past year, North Arundel Savings Bank, FSB has increased its total deposits by $3.13 million, resulting in 10.19% 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 North Arundel Savings Bank, FSB has shown is excellent. 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. North Arundel Savings Bank, FSB has $38.46 million in assets with $4.57 million in equity, resulting in a capitalization level of 11.87%, which is above average.

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