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Overview / Commentary
937-653-1700
120 North Main Street
Urbana, OH 43078

Perpetual Federal Savings Bank is headquartered in Urbana and is the 60th largest bank in the state of Ohio. It is also the 1,885th largest bank in the nation. It was established in 1878 and as of December of 2013, it had grown to 22 employees at 1 location. Perpetual Federal Savings Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

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 December 31, 2013 Perpetual Federal Savings Bank had $5.88 million in non-current loans and owned real-estate with $65.56 million in equity and loan loss allowances on hand to cover it. This gives Perpetual Federal Savings Bank a Texas Ratio of 8.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Perpetual Federal Savings Bank decreased slightly from 11.60% as of December 31, 2012 to 8.96% as of December 31, 2013, resulting in a positive change of 22.74%.This indicates that the balance sheet and financial strength for Perpetual Federal Savings Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Perpetual Federal Savings Bank has decreased its total deposits by -$9.47 million, resulting in -3.31% 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.

Capitalization

GRADE:
A+

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 $346.78 million in assets with $65.56 million in equity, resulting in a capitalization level of 18.91%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #28934
Year Established1878
Employees22
Primary RegulatorOCC
Assets and Liabilities
Assets$346.79 million
Loans$285.19 million
Deposits$276.97 million
Equity Capital$60.91 million
Loan Loss Allowance$4.65 million
Unbacked Noncurrent Loans$5.83 million
Real Estate Owned$50,000
Historic Data - December 2012
Assets$357.91 million
Equity Capital$58.49 million
Loan Loss Allowance$4.54 million
Unbacked Noncurrent Loans$5.83 million
Real Estate Owned$90,000
Profit Margin - Quarterly
Net Interest Margin3.27%
Return on Assets1.17%
Return on Equity6.92%
Interest Income$15.69 million
Rates
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Perpetual Federal Savings Bank Savings Account Rates

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

Perpetual Federal Savings Bank Checking Account Rates

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

Perpetual Federal Savings Bank CD Rates

DetailsAPYMINMAXPRODUCT
2.02%$1k-60 Month CD
1.77%$1k-48 Month CD
1.51%$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
Locations


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