Saint Casimir's Savings Bank

2703 Foster Avenue
Baltimore, MD 21224
410-276-0894
www.stcsb.com

OverView
Rates
Health
Reviews

Saint Casimir's Savings Bank is headquartered in Baltimore and is the 69^th largest bank in the state of Maryland. It is also the 4,858^th largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 21 employees at 4 locations. Saint Casimir's Savings Bank's savings rates are 6X the national average, and it boasts a 5-star health rating.

Top Long-Term CD Rate at Saint Casimir's Savings Bank in MD - Local Only - 10/5/2011

Finding a 3 percent CD these days is especially hard, and as we learned in the last week, it often doesn't last long when we find one. I hope this one lasts for a while. It's at Saint Casimir's Saving ...

Report an Issue

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

Saint Casimir's Savings Bank Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$100	-	NOW Checking Account

Saint Casimir's Savings Bank Savings Account Rates

Apy	Min	Max	Product
3.00%	-	-	Christmas Club
0.20%	$50	-	Passbook Savings

Saint Casimir's Savings Bank Money Market Rates

	Apy	Min	Max	Product
	0.30%	$1k	-	MMDA

Saint Casimir's Savings Bank CD Rates

Apy	Min	Max	Product
1.90%	$1k	-	96 Month CD
1.25%	$1k	-	48 Month CD
1.00%	$1k	-	30 Month CD
0.60%	$1k	-	18 Month CD
0.50%	$1k	-	12 Month CD
0.45%	$1k	-	182 Day CD
0.10%	$1k	-	91 Day CD

Saint Casimir's Savings Bank IRA Rates

Apy	Min	Max	Product
1.50%	$1k	-	60 Month IRA
1.00%	$1k	-	30 Month IRA
0.60%	$1k	-	18 Month Fixed IRA
0.60%	$1k	-	18 Month Variable IRA
0.45%	$1k	-	182 Day IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Saint Casimir's Savings Bank
FDIC Certificate #	32327
BankRate Report	View
Year Established	1911
Employees	21
Primary Regulator	FDIC
Assets and Liabilities
Assets	$103.69 million
Loans	$16.45 million
Deposits	$80.60 million
Equity Capital	$22.17 million
Loan Loss Allowance	$112,000
Unbacked Noncurrent Loans	$308,000
Historic Data - March 2011
Assets	$105.21 million
Equity Capital	$22.29 million
Loan Loss Allowance	$93,000
Unbacked Noncurrent Loans	$183,000
Profit Margin - Quarterly
Net Interest Margin	2.49%
Return on Assets	-0.09%
Return on Equity	-0.43%
Interest Income	$691,000

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 Saint Casimir's Savings Bank had $308,000 in non-current loans and owned real-estate with $22.28 million in equity and loan loss allowances on hand to cover it. This gives Saint Casimir's Savings Bank a Texas Ratio of 1.38% 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 Saint Casimir's Savings Bank held steady from 0.82% as of March 31, 2011 to 1.38% as of March 31, 2012, resulting in a negative change of 69.11%. This indicates that the balance sheet and financial strength for Saint Casimir's Savings Bank has held steady in recent periods.
Deposit Growth
In the past year, Saint Casimir's Savings Bank has decreased its total deposits by -$1.78 million, resulting in -2.17% 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 Saint Casimir's Savings 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. Saint Casimir's Savings Bank has $103.69 million in assets with $22.28 million in equity, resulting in a capitalization level of 21.49%, which is excellent.