Pender State Bank

Pender State Bank is headquartered in Pender and is the 71^st largest bank in the state of Nebraska. It is also the 4,097^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 20 employees at 1 location. Pender State Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Pender State Bank Routing Number: 104903139

Pender State Bank Checking Account Rates

Pender State Bank Savings Account Rates

Pender State Bank Money Market Rates

Pender State Bank CD Rates

Pender State Bank IRA Rates

Data for Q1 2012

Institution Statistics Pender State Bank FDIC Certificate # 8329 BankRate Report View Year Established 1888 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $136.92 million Loans $112.87 million Deposits $114.76 million Equity Capital $18.37 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $22,000 Historic Data - March 2011 Assets $138.00 million Equity Capital $17.97 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $1.25 million Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets 2.06% Return on Equity 15.63% Interest Income $1.60 million

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 Pender State Bank had $22,000 in non-current loans and owned real-estate with $19.69 million in equity and loan loss allowances on hand to cover it. This gives Pender State Bank a Texas Ratio of 0.11% 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 Pender State Bank decreased significantly from 6.50% as of March 31, 2011 to 0.11% as of March 31, 2012, resulting in a positive change of 98.28%.This indicates that the balance sheet and financial strength for Pender State Bank has improved significantly in recent periods. Deposit Growth In the past year, Pender State Bank has decreased its total deposits by -$2.41 million, resulting in -2.06% 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 Pender State Bank has shown is below 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. Pender State Bank has $136.92 million in assets with $19.69 million in equity, resulting in a capitalization level of 14.38%, which is excellent.

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