OBA Federal Savings Bank

OBA Federal Savings Bank is headquartered in Germantown and is the 23^rd largest bank in the state of Maryland. It is also the 1,705^th largest bank in the nation. It was established in 1861 and as of March of 2012, it had grown to 65 employees at 6 locations. OBA Federal Savings Bank's money market rates are 2X the national average, and it has a 4-star health rating.

OBA Federal Savings Bank Checking Account Rates

OBA Federal Savings Bank Savings Account Rates

OBA Federal Savings Bank Money Market Rates

OBA Federal Savings Bank CD Rates

OBA Federal Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics OBA Bank OTS # 00489 FDIC Certificate # 27889 BankRate Report View Year Established 1861 Employees 65 Primary Regulator OCC Assets and Liabilities Assets $391.84 million Loans $282.24 million Deposits $271.08 million Equity Capital $60.16 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $6.07 million Real Estate Owned $40,000 Historic Data - March 2011 Assets $355.97 million Equity Capital $58.66 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $459,000 Real Estate Owned $105,000 Profit Margin - Quarterly Net Interest Margin 3.43% Return on Assets 0.02% Return on Equity 0.11% Interest Income $3.95 million

Institution Health Overall Score: 4 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 OBA Federal Savings Bank had $6.11 million in non-current loans and owned real-estate with $62.82 million in equity and loan loss allowances on hand to cover it. This gives OBA Federal Savings Bank a Texas Ratio of 9.72% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for OBA Federal Savings Bank increased slightly from 0.93% as of March 31, 2011 to 9.72% as of March 31, 2012, resulting in a negative change of 940.59%. This indicates that the balance sheet and financial strength for OBA Federal Savings Bank has declined slightly in recent periods. Deposit Growth In the past year, OBA Federal Savings Bank has increased its total deposits by $35.83 million, resulting in 15.23% 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 OBA Federal Savings Bank 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. OBA Federal Savings Bank has $391.84 million in assets with $62.82 million in equity, resulting in a capitalization level of 16.03%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.