St. Edmond's Federal Savings Bank

St. Edmond's Federal Savings Bank is headquartered in Philadelphia and is the 112^st largest bank in the state of Pennsylvania. It is also the 2,162^nd largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 46 employees at 6 locations. St. Edmond's Federal Savings Bank's savings rates are 44% higher than the national average, and it has a 4-star health rating.

St. Edmond's Federal Savings Bank Routing Number: 236074156

St. Edmond's Federal Savings Bank Checking Account Rates

St. Edmond's Federal Savings Bank Savings Account Rates

St. Edmond's Federal Savings Bank Money Market Rates

St. Edmond's Federal Savings Bank CD Rates

St. Edmond's Federal Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics St. Edmond's Federal Savings Bank OTS # 02612 FDIC Certificate # 28916 BankRate Report View Year Established 1912 Employees 46 Primary Regulator OCC Assets and Liabilities Assets $302.22 million Loans $181.92 million Deposits $276.54 million Equity Capital $25.24 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $4.07 million Real Estate Owned $3.23 million Historic Data - March 2011 Assets $307.33 million Equity Capital $23.17 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $8.57 million Real Estate Owned $2.30 million Profit Margin - Quarterly Net Interest Margin 3.13% Return on Assets -0.51% Return on Equity -6.16% Interest Income $2.99 million

Institution Health Overall Score: 4 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 St. Edmond's Federal Savings Bank had $7.29 million in non-current loans and owned real-estate with $26.62 million in equity and loan loss allowances on hand to cover it. This gives St. Edmond's Federal Savings Bank a Texas Ratio of 27.40% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for St. Edmond's Federal Savings Bank decreased slightly from 43.65% as of March 31, 2011 to 27.40% as of March 31, 2012, resulting in a positive change of 37.22%.This indicates that the balance sheet and financial strength for St. Edmond's Federal Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, St. Edmond's Federal Savings Bank has increased its total deposits by $4.16 million, resulting in 1.53% 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 St. Edmond's Federal Savings 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. St. Edmond's Federal Savings Bank has $302.22 million in assets with $26.62 million in equity, resulting in a capitalization level of 8.81%, which is average.

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