Raymond Federal Bank

202 Duryea St
Raymond, WA 98577
(360) 942-3444
www.raymondfederalbank.com

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Raymond Federal Bank is headquartered in Raymond and is the 61^st largest bank in the state of Washington. It is also the 6,167^th largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 19 employees at 3 locations. Raymond Federal Bank has a 5-star health rating.

Raymond Federal Bank Routing Number: 325170864

Special CD Rates at Raymond Federal Bank in WA State - Local Only - 6/16/2011

Raymond Federal Bank is offering two CD specials with competitive rates. The two best rates are 1.74% APY for a 30-month CD and a 1.26% APY for a 15-month CD. Slightly lower rates are available for sm ...

Competitive CD Rates at Raymond Federal Bank in WA State - Local Only - 4/13/2010

Raymond Federal Bank is offering some competitive CD rates. The most competitive is the 5-year CD with a 3.56% APY. Other notable ones include a 1.56% APY 1-year CD and a 2.63% APY 3-year CD. Minimum ...

2.89% 7-Month CD & 3.05% Money Market at Raymond Federal Bank in Washington State - Local Only - 5/6/2009

Update 5/19/09: The rates have fallen. Please check the bank's website for the latest rates.Raymond Federal Bank continues to offer competitive CD specials. The latest ones include a 7-month and 30-month CD. The 7-month CD yields range from 2.79% APY for...

3.14% 16-Month CD and Other High CD Rates at Raymond Federal Bank in Washington State - 4/2/2009

Raymond Federal Bank is offering a CD special with three competitive rates: 2.89% APY for 7 months, 3.14% APY for 16 months and 3.51% APY for 33 months. Minimum deposit is $15,000. Other rates are available for smaller and larger minimum deposits. These...

2008

4/29 - 3.77% 8-Month CD at a Washington State Bank (Raymond Federal).

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

Raymond Federal Bank Checking Account Rates

Apy	Min	Max	Product
0.35%	$20k	-	Premier Checking
0.35%	$20k	-	50 + Premier Checking
0.30%	$20k	-	Interest + Checking
0.30%	$20k	-	50 + Checking

Raymond Federal Bank Savings Account Rates

Apy	Min	Max	Product
0.20%	$50	-	Statement Savings
0.20%	-	-	Statement Savings for Students

Raymond Federal Bank Money Market Rates

Apy	Min	Max	Product
0.40%	$20k	-	Premier Plus Money Market
0.30%	$5k	-	Money Market

Raymond Federal Bank CD Rates

Apy	Min	Max	Product
1.41%	$50k	-	5 Year CD
0.90%	$50k	-	2 Year CD
0.60%	$50k	-	7 Month CD
0.50%	$50k	-	18 Month CD
0.45%	$50k	-	1 Year CD
0.40%	$50k	-	13 Month CD
0.40%	$50k	-	14 Month CD
0.40%	$50k	-	15 Month CD Special
0.40%	$50k	-	16 Month CD
0.40%	$50k	-	3 Year CD
0.40%	$50k	-	30 Month CD
0.40%	$50k	-	33 Month CD Special
0.30%	$50k	-	182 Day CD
0.25%	$50k	-	8 Month CD
0.25%	$50k	-	9 Month CD
0.20%	$50k	-	90 Day CD

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Raymond Federal Bank
OTS #	01265
FDIC Certificate #	28266
BankRate Report	View
Year Established	1925
Employees	19
Primary Regulator	OCC
Assets and Liabilities
Assets	$56.61 million
Loans	$43.17 million
Deposits	$49.13 million
Equity Capital	$5.49 million
Loan Loss Allowance	$620,000
Historic Data - March 2011
Assets	$57.70 million
Equity Capital	$5.35 million
Loan Loss Allowance	$573,000
Unbacked Noncurrent Loans	$231,000
Real Estate Owned	$11,000
Profit Margin - Quarterly
Net Interest Margin	3.99%
Return on Assets	0.32%
Return on Equity	3.29%
Interest Income	$711,000

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 Raymond Federal Bank had $0 in non-current loans and owned real-estate with $6.11 million in equity and loan loss allowances on hand to cover it. This gives Raymond Federal Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Raymond Federal Bank has decreased its total deposits by $-236,000, resulting in -0.48% 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 Raymond Federal 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. Raymond Federal Bank has $56.6 million in assets with $6.11 million in equity, resulting in a capitalization level of 10.80%, which is above average.