Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
1500 Irving Street
Rahway, NJ 07065

RSI BANK is headquartered in Rahway and is the 48th largest bank in the state of New Jersey. It is also the 1,373rd largest bank in the nation. It was established in 1851 and as of June of 2014, it had grown to 72 employees at 4 locations. RSI BANK's money market rates are 36% higher than the national average, and it has a A health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q2 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 June 30, 2014 RSI BANK had $3.46 million in non-current loans and owned real-estate with $78.2 million in equity and loan loss allowances on hand to cover it. This gives RSI BANK a Texas Ratio of 4.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for RSI BANK decreased dramatically from 6.67% as of June 30, 2013 to 4.42% as of June 30, 2014, resulting in a positive change of 33.74%.This indicates that the balance sheet and financial strength for RSI BANK has improved dramatically in recent periods.

Deposit Growth


In the past year, RSI BANK has decreased its total deposits by -$6.1 million, resulting in -1.55% 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 RSI BANK has shown is 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. RSI BANK has $489.48 million in assets with $78.2 million in equity, resulting in a capitalization level of 15.98%, which is excellent.

Institution Statistics

FDIC Certificate #12017
Year Established1851
Primary RegulatorFDIC
Assets and Liabilities
Assets$489.48 million
Loans$271.31 million
Deposits$386.94 million
Equity Capital$76.05 million
Loan Loss Allowance$2.15 million
Unbacked Noncurrent Loans$3.34 million
Real Estate Owned$116,000
Historic Data - June 2013
Assets$491.98 million
Equity Capital$73.12 million
Loan Loss Allowance$1.77 million
Unbacked Noncurrent Loans$3.34 million
Real Estate Owned$180,000
Profit Margin - Quarterly
Return on Assets0.41%
Return on Equity2.69%
Interest Income$7.61 million

Always verify rates and promotions with the bank or credit union. We are not RSI BANK, we are a rate comparison website and can not provide official rates or promotions.

RSI BANK Savings Account Rates

0.25%--Statement Savings
0.25%$100-Green IRA
0.20%--Passbook Savings

RSI BANK Money Market Rates

0.60%$50k-Money Market

RSI BANK Checking Account Rates

0.65%$50k-Asset Management


1.90%$1k-61 Month CD
1.75%$1k-60 Month CD
1.70%$1k-49 Month CD
1.60%$1k-48 Month CD
1.35%$1k-37 Month CD
1.25%$1k-36 Month CD
1.10%$1k-25 Month CD
0.90%$1k-24 Month CD
0.85%$1k-18 Month CD
0.75%$1k-15 Month CD
0.60%$1k-13 Month CD
0.50%$1k-9 Month CD
0.45%$1k-7 Month CD
0.45%$1k-12 Month CD
0.45%$1k-12 Month Tax Deferred CD
0.35%$1k-6 Month CD
0.25%$1k-3 Month CD
0.25%$1k-5 Month CD


1.90%$250-61 Month IRA
1.75%$250-60 Month IRA
1.70%$250-49 Month IRA
1.60%$250-48 Month IRA
1.35%$250-37 Month IRA
1.25%$250-36 Month IRA
1.10%$250-25 Month IRA
0.90%$250-24 Month IRA
0.85%$250-18 Month IRA
0.75%$250-15 Month IRA
0.60%$250-13 Month IRA
0.50%$250-9 Month IRA
0.45%$250-7 Month IRA
0.45%$250-12 Month IRA
0.35%$250-6 Month IRA

RSI BANK Locations
Rsi Bank1500 Irving StreetRahway, NJ 7065
Rsi Bank2401 St. Georges AvenueRahway, NJ 7065
Colonia Branch427 Lake AvenueColonia, NJ 7067
Rsi Bank Branch52 Centennial DriveLong Branch, NJ 7740