Roebling Bank

Rt 130 & Delaware Avenue
Roebling, NJ 8554
(609) 499-9400
www.roeblingbank.com

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Roebling Bank is headquartered in Roebling and is the 91^st largest bank in the state of New Jersey. It is also the 3,632^nd largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 39 employees at 5 locations. Roebling Bank has a 4-star health rating.

4.60% 13-Month CD at Roebling Bank in New Jersey - 9/14/2008

Update 9/18/08: The 4.60% CD special is no longer listed at the bank's website.Roebling Bank is offering a special 4.60% APY 13-month CD. The minimum deposit is $25,000. The CD is listed in the bank's rate table. There's no mention that a checking or...

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

Roebling Bank Checking Account Rates

Apy	Min	Max	Product
0.15%	$25k	-	Money Market Checking
0.10%	$2,500	-	Interest Checking

Roebling Bank Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Statement Savings
0.05%	-	-	Passbook Savings
0.05%	-	-	Youth Passbook Savings

Roebling Bank Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Premium Rate Money Market

Roebling Bank CD Rates

Apy	Min	Max	Product
1.30%	$500	-	60 Month CD
1.00%	$500	-	48 Month CD
0.80%	$500	-	36 Month CD
0.70%	$500	-	30 Month CD
0.65%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.45%	$500	-	12 Month CD
0.45%	$500	-	13 Month CD
0.45%	$500	-	15 Month CD
0.30%	$500	-	6 Month CD
0.30%	$500	-	7 Month CD
0.20%	$500	-	3 Month CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Roebling Bank
OTS #	06923
FDIC Certificate #	31419
BankRate Report	View
Year Established	1923
Employees	39
Primary Regulator	OCC
Assets and Liabilities
Assets	$163.69 million
Loans	$109.37 million
Deposits	$133.95 million
Equity Capital	$14.96 million
Loan Loss Allowance	$988,000
Unbacked Noncurrent Loans	$1.28 million
Real Estate Owned	$445,000
Historic Data - March 2011
Assets	$166.08 million
Equity Capital	$14.36 million
Loan Loss Allowance	$1.21 million
Unbacked Noncurrent Loans	$3.08 million
Real Estate Owned	$880,000
Profit Margin - Quarterly
Net Interest Margin	3.24%
Return on Assets	0.01%
Return on Equity	0.08%
Interest Income	$1.60 million

Institution Health

Overall Score:

4 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 Roebling Bank had $1.72 million in non-current loans and owned real-estate with $15.95 million in equity and loan loss allowances on hand to cover it. This gives Roebling Bank a Texas Ratio of 10.80% 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 Roebling Bank decreased significantly from 25.41% as of March 31, 2011 to 10.80% as of March 31, 2012, resulting in a positive change of 57.50%.This indicates that the balance sheet and financial strength for Roebling Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Roebling Bank has decreased its total deposits by -$6.41 million, resulting in -4.57% 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 Roebling 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. Roebling Bank has $163.69 million in assets with $15.95 million in equity, resulting in a capitalization level of 9.74%, which is average.