S-Bank

S-Bank is headquartered in Weymouth and is the 109^th largest bank in the state of Massachusetts. It is also the 2,933^rd largest bank in the nation. It was established in 1890 and as of September of 2011, it had grown to 39 employees at 4 locations. S-Bank has a 2-star health rating.

S-Bank Routing Number: 211371492

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Data for Q3 2011

Institution Statistics S-Bank FDIC Certificate # 26575 BankRate Report View Year Established 1890 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $213.49 million Loans $133.96 million Deposits $182.65 million Equity Capital $16.60 million Loan Loss Allowance $2.04 million Unbacked Noncurrent Loans $5.13 million Real Estate Owned $1.17 million Historic Data - September 2010 Assets $218.32 million Equity Capital $15.78 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $3.40 million Real Estate Owned $2.05 million Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.25% Return on Equity 3.38% Interest Income $7.12 million

Institution Health Overall Score: 2 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 September 30, 2011 S-Bank had $6.3 million in non-current loans and owned real-estate with $18.63 million in equity and loan loss allowances on hand to cover it. This gives S-Bank a Texas Ratio of 33.81% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for S-Bank held steady from 31.41% as of September 30, 2010 to 33.81% as of September 30, 2011, resulting in a negative change of 7.65%. This indicates that the balance sheet and financial strength for S-Bank has held steady in recent periods. Deposit Growth In the past year, S-Bank has decreased its total deposits by -$3.62 million, resulting in -1.94% 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 S-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. S-Bank has $213.49 million in assets with $18.63 million in equity, resulting in a capitalization level of 8.73%, which is average.

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