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Overview / Commentary
1500 Irving Street
Rahway, NJ 07065

RSI BANK is headquartered in Rahway and is the 45th largest bank in the state of New Jersey. It is also the 1,352nd largest bank in the nation. It was established in 1851 and as of December of 2013, it had grown to 74 employees at 4 locations. RSI BANK's money market rates are 36% higher than the national average, and it has a A health rating.

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Data for Q4 2013

Institution Health


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 December 31, 2013 RSI BANK had $4.26 million in non-current loans and owned real-estate with $77 million in equity and loan loss allowances on hand to cover it. This gives RSI BANK a Texas Ratio of 5.53% 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 experienced no significant changes from 6.10% as of December 31, 2012 to 5.53% as of December 31, 2013, resulting in a positive change of 9.30%.This indicates that the balance sheet and financial strength for RSI BANK has had no significant changes in recent periods.

Deposit Growth


In the past year, RSI BANK has decreased its total deposits by -$6.08 million, resulting in -1.51% 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 $495.82 million in assets with $77 million in equity, resulting in a capitalization level of 15.53%, which is excellent.

Institution Statistics

FDIC Certificate #12017
Year Established1851
Primary RegulatorFDIC
Assets and Liabilities
Assets$495.82 million
Loans$259.86 million
Deposits$396.61 million
Equity Capital$75.14 million
Loan Loss Allowance$1.87 million
Unbacked Noncurrent Loans$4.26 million
Real Estate Owned$0
Historic Data - December 2012
Assets$501.17 million
Equity Capital$72.70 million
Loan Loss Allowance$1.78 million
Unbacked Noncurrent Loans$4.26 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.63%
Return on Assets0.24%
Return on Equity1.61%
Interest Income$14.52 million

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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


1.75%$1k-60 Month CD
1.60%$1k-48 Month CD
1.25%$1k-36 Month CD
1.05%$1k-24 Month CD
0.85%$1k-18 Month CD
0.65%$1k-15 Month CD
0.50%$1k-13 Month CD
0.45%$1k-12 Month CD
0.45%$1k-12 Month Tax Deferred CD
0.40%$1k-9 Month CD
0.35%$1k-7 Month CD
0.25%$1k-3 Month CD
0.25%$1k-5 Month CD
0.25%$1k-6 Month CD


1.75%$250-60 Month IRA
1.60%$250-48 Month IRA
1.25%$250-36 Month IRA
1.05%$250-24 Month IRA
0.85%$250-18 Month IRA
0.65%$250-15 Month IRA
0.50%$250-13 Month IRA
0.45%$250-12 Month IRA
0.40%$250-9 Month IRA
0.35%$250-7 Month IRA
0.25%$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