Randolph Savings Bank

129 North Main Street
Randolph, MA 02368
877 963-2100
www.randolphsavings.com

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Randolph Savings Bank is headquartered in Randolph and is the 72^nd largest bank in the state of Massachusetts. It is also the 1,730^th largest bank in the nation. It was established in 1851 and as of September of 2011, it had grown to 105 employees at 7 locations. Randolph Savings Bank has a 3-star health rating.

Competitive Long-Term CD Rates at Randolph Savings Bank in MA & RI - Local Only - 7/23/2010

Randolph Savings Bank is offering several good deals on its CDs and IRA CDs. The most competitive is a 3.15% APY 60-month CD. The other ones include a 2.00% APY 30-month CD special and a 2.50% APY 48- ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Randolph Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.40%^†	$50k	-	High Interest Checking
0.05%^†	-	-	Interest Checking

Randolph Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.15%^†	-	-	Statement Savings
0.15%^†	-	-	Passbook Savings
0.15%^†	-	-	Holiday Club
0.15%^†	-	-	Business Passbook Savings
0.15%^†	-	-	Business Statement Savings

Randolph Savings Bank Money Market Rates

Apy	Min	Max	Product
0.40%^†	$100k	-	Preferred Money Market
0.25%^†	$25k	-	Business Money Market
0.20%^†	$2,500	-	Money Market

Randolph Savings Bank CD Rates

Apy	Min	Max	Product
1.50%^†	$1k	-	60 Month CD
1.35%^†	$1k	-	48 Month CD Special with Bump
1.20%^†	$1k	-	36 Month CD
1.10%^†	$1k	-	30 Month CD Special
1.06%^†	$1k	-	24 Month CD
0.80%^†	$1k	-	18 Month CD
0.60%^†	$1k	-	12 Month CD
0.35%^†	$2,500	-	6 Month CD

Randolph Savings Bank IRA Rates

Apy	Min	Max	Product
1.50%^†	$1k	-	60 Month IRA
1.50%^†	$1k	-	60 Month Roth IRA
1.50%^†	$1k	-	60 Month SEP IRA
1.35%^†	$1k	-	48 Month IRA Special with Bump
1.35%^†	$1k	-	48 Month Roth IRA Special with Bump
1.35%^†	$1k	-	48 Month SEP IRA Special with Bump
1.20%^†	$1k	-	36 Month IRA
1.20%^†	$1k	-	36 Month Roth IRA
1.20%^†	$1k	-	36 Month SEP IRA
1.06%^†	$500	-	24 Month IRA
1.06%^†	$500	-	24 Month Roth IRA
1.06%^†	$500	-	24 Month SEP IRA
0.80%^†	$500	-	18 Month IRA
0.80%^†	$500	-	18 Month Roth IRA
0.80%^†	$500	-	18 Month SEP IRA
0.80%^†	$500	-	18 Month Variable IRA
0.80%^†	$500	-	18 Month Variable Roth IRA
0.80%^†	$500	-	18 Month Variable SEP IRA
0.60%^†	$500	-	12 Month IRA
0.60%^†	$500	-	12 Month Roth IRA
0.60%^†	$500	-	12 Month SEP IRA
0.35%^†	$500	-	6 Month IRA
0.35%^†	$500	-	6 Month Roth IRA
0.35%^†	$500	-	6 Month SEP IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Randolph Savings Bank
FDIC Certificate #	90270
BankRate Report	View
Year Established	1851
Employees	105
Primary Regulator	FDIC
Assets and Liabilities
Assets	$382.07 million
Loans	$186.50 million
Deposits	$324.47 million
Equity Capital	$37.98 million
Loan Loss Allowance	$3.88 million
Unbacked Noncurrent Loans	$11.17 million
Real Estate Owned	$1.20 million
Historic Data - September 2010
Assets	$383.46 million
Equity Capital	$34.84 million
Loan Loss Allowance	$3.79 million
Unbacked Noncurrent Loans	$3.70 million
Real Estate Owned	$2.07 million
Profit Margin - Quarterly
Net Interest Margin	3.53%
Return on Assets	0.24%
Return on Equity	2.55%
Interest Income	$11.41 million

Institution Health

Overall Score:

3 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 September 30, 2011 Randolph Savings Bank had $12.36 million in non-current loans and owned real-estate with $41.86 million in equity and loan loss allowances on hand to cover it. This gives Randolph Savings Bank a Texas Ratio of 29.53% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Randolph Savings Bank increased slightly from 14.94% as of September 30, 2010 to 29.53% as of September 30, 2011, resulting in a negative change of 97.73%. This indicates that the balance sheet and financial strength for Randolph Savings Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Randolph Savings Bank has decreased its total deposits by -$3.01 million, resulting in -0.92% 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 Randolph Savings Bank has shown is 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. Randolph Savings Bank has $382.07 million in assets with $41.86 million in equity, resulting in a capitalization level of 10.96%, which is above average.