S-Bank

S-Bank is headquartered in Weymouth and is the 109^th largest bank in the state of Massachusetts. It is also the 2,875^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 37 employees at 4 locations. S-Bank has a 3-star health rating.

S-Bank Routing Number: 211371492

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Data for Q1 2012

Institution Statistics S-Bank FDIC Certificate # 26575 BankRate Report View Year Established 1890 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $221.71 million Loans $121.81 million Deposits $190.45 million Equity Capital $16.83 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $5.80 million Real Estate Owned $1.78 million Historic Data - March 2011 Assets $214.73 million Equity Capital $15.86 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $4.20 million Real Estate Owned $1.22 million Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 0.32% Return on Equity 4.21% Interest Income $2.07 million

Institution Health Overall Score: 3 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 S-Bank had $7.58 million in non-current loans and owned real-estate with $18.88 million in equity and loan loss allowances on hand to cover it. This gives S-Bank a Texas Ratio of 40.12% 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 increased slightly from 30.89% as of March 31, 2011 to 40.12% as of March 31, 2012, resulting in a negative change of 29.88%. This indicates that the balance sheet and financial strength for S-Bank has declined slightly in recent periods. Deposit Growth In the past year, S-Bank has increased its total deposits by $5.86 million, resulting in 3.18% 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 above 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 $221.71 million in assets with $18.88 million in equity, resulting in a capitalization level of 8.52%, which is average.

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