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Overview / Commentary
120 North Main Street
Urbana, OH 43078

Perpetual Federal Savings Bank is headquartered in Urbana and is the 58th largest bank in the state of Ohio. It is also the 1,897th largest bank in the nation. It was established in 1878 and as of March of 2014, it had grown to 22 employees at 1 location. Perpetual Federal Savings Bank has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Perpetual Federal Savings Bank had $7.21 million in non-current loans and owned real-estate with $64.15 million in equity and loan loss allowances on hand to cover it. This gives Perpetual Federal Savings Bank a Texas Ratio of 11.24% 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 Perpetual Federal Savings Bank experienced no significant changes from 9.57% as of March 31, 2013 to 11.24% as of March 31, 2014, resulting in a negative change of 17.55%. This indicates that the balance sheet and financial strength for Perpetual Federal Savings Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Perpetual Federal Savings Bank has decreased its total deposits by -$8.72 million, resulting in -3.03% 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 Perpetual Federal Savings Bank has shown is below average.



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. Perpetual Federal Savings Bank has $346.71 million in assets with $64.15 million in equity, resulting in a capitalization level of 18.50%, which is excellent.

Institution Statistics

FDIC Certificate #28934
Year Established1878
Primary RegulatorOCC
Assets and Liabilities
Assets$346.71 million
Loans$289.31 million
Deposits$278.92 million
Equity Capital$59.44 million
Loan Loss Allowance$4.72 million
Unbacked Noncurrent Loans$7.16 million
Real Estate Owned$50,000
Historic Data - March 2013
Assets$359.47 million
Equity Capital$59.24 million
Loan Loss Allowance$4.55 million
Unbacked Noncurrent Loans$7.16 million
Real Estate Owned$90,000
Profit Margin - Quarterly
Net Interest Margin3.33%
Return on Assets-1.19%
Return on Equity-6.87%
Interest Income$3.78 million
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Perpetual Federal Savings Bank Savings Account Rates

0.15%$2,500-Money Fund Savings
0.08%--Passbook Savings

Perpetual Federal Savings Bank Checking Account Rates

0.15%$2,500-Super NOW Checking
0.08%$100-NOW Checking

Perpetual Federal Savings Bank CD Rates

2.25%$1k-60 Month CD
2.00%$1k-48 Month CD
1.56%$1k-36 Month CD
1.26%$1k-30 Month CD
1.01%$1k-24 Month CD
0.75%$1k-18 Month CD
0.50%$1k-12 Month CD
0.25%$1k-6 Month CD

Perpetual Federal Savings Bank Locations
Perpetual Federal Savings Bank120 North Main StreetUrbana, OH 43078