Teche Federal Bank

211 Willow St
Franklin, LA 70538
337-828-3212
www.teche.com

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Teche Federal Bank is headquartered in New Iberia and is the 12^st largest bank in the state of Louisiana. It is also the 797^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 284 employees at 19 locations. Teche Federal Bank has a 4-star health rating.

4.00% 60-Month CD at Teche Federal Bank in Louisiana - Local Only - 6/14/2009

Update 6/20/09: The special 60-month CD is now a 67-month CD. Please refer to the bank's website for the latest rates and terms.Teche Federal Bank is offering a few competitive long-term CD rates. These include a 3.25% APY 40-month CD, a 4.00% APY 5-year...

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

Teche Federal Bank Checking Account Rates

Apy	Min	Max	Product
0.80%	$100k	-	Corporate Checking with Interest
0.61%^†	$100	-	IOLTA
0.40%^†	$150k	-	Prime Checking
0.20%^†	$100	-	Business Now
0.15%^†	$100	-	Unlimited
0.15%^†	$100	-	Low Minimum
0.15%^†	$100	-	Economy
0.15%^†	$100	-	50 Plus
0.15%^†	$100	-	VIP

Teche Federal Bank Savings Account Rates

Apy	Min	Max	Product
0.30%^†	$100	-	IRA Savings
0.30%^†	$100	-	Roth IRA Savings
0.30%^†	$100	-	SEP IRA Savings
0.30%^†	$100	-	CESA Savings
0.25%^†	$25	-	Christmas Club
0.15%^†	-	-	Super Savings

Teche Federal Bank Money Market Rates

Apy	Min	Max	Product
0.25%^†	$30k	-	Money Market
0.25%^†	$30k	-	Business Money Market

Teche Federal Bank CD Rates

Apy	Min	Max	Product
1.85%^†	$1k	-	84 Month CD
1.30%^†	$1k	-	60 - 83 Month CD
1.10%^†	$1k	-	48 - 59 Month CD
0.90%^†	$25k	-	36 - 47 Month CD
0.85%^†	$25k	-	30 - 35 Month CD
0.80%^†	$25k	-	24 - 29 Month CD
0.65%^†	$25k	-	18 - 23 Month CD
0.35%^†	$25k	-	12 - 17 Month CD
0.25%^†	$25k	-	6 - 11 Month CD
0.20%^†	$25k	-	3 - 5 Month CD

Teche Federal Bank IRA Rates

Apy	Min	Max	Product
1.85%^†	$1k	-	84 Month IRA
1.85%^†	$1k	-	84 Month Roth IRA
1.85%^†	$1k	-	84 Month CESA
1.85%^†	$1k	-	84 Month SEP IRA
1.30%^†	$1k	-	60 - 83 Month IRA
1.30%^†	$1k	-	60 - 83 Month Roth IRA
1.30%^†	$1k	-	60 - 83 Month CESA
1.30%^†	$1k	-	60 - 83 Month SEP IRA
1.10%^†	$1k	-	48 - 59 Month IRA
1.10%^†	$1k	-	48 - 59 Month Roth IRA
1.10%^†	$1k	-	48 - 59 Month CESA
1.10%^†	$1k	-	48 - 59 Month SEP IRA
0.90%^†	$25k	-	36 - 47 Month IRA
0.90%^†	$25k	-	36 - 47 Month Roth IRA
0.90%^†	$25k	-	36 - 47 Month CESA
0.90%^†	$25k	-	36 - 47 Month SEP IRA
0.85%^†	$25k	$99k	24 - 29 Month IRA
0.85%^†	$25k	-	30 - 35 Month IRA
0.85%^†	$25k	-	30 - 35 Month Roth IRA
0.85%^†	$25k	-	30 - 35 Month CESA
0.85%^†	$25k	-	30 - 35 Month SEP IRA
0.80%^†	$25k	-	24 - 29 Month Roth IRA
0.80%^†	$25k	-	24 - 29 Month CESA
0.80%^†	$25k	-	24 - 29 Month SEP IRA
0.65%^†	$25k	-	18 - 23 Month IRA
0.65%^†	$25k	-	18 - 23 Month Roth IRA
0.65%^†	$25k	-	18 - 23 Month CESA
0.65%^†	$25k	-	18 - 23 Month SEP IRA
0.35%^†	$25k	-	12 - 17 Month IRA
0.35%^†	$25k	-	12 - 17 Month Roth IRA
0.35%^†	$25k	-	12 - 17 Month CESA
0.35%^†	$25k	-	12 - 17 Month SEP IRA
0.25%^†	$25k	-	6 - 11 Month IRA
0.25%^†	$25k	-	6 - 11 Month Roth IRA
0.25%^†	$25k	-	6 - 11 Month CESA
0.20%^†	$1k	-	3 - 5 Month IRA
0.20%^†	$25k	-	3 - 5 Month Roth IRA
0.20%^†	$1k	$99k	3 - 5 Month CESA
0.20%^†	$25k	-	3 - 5 Month SEP IRA
0.20%^†	$25k	-	6 - 11 Month SEP IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Teche Federal Bank
OTS #	02794
FDIC Certificate #	29028
BankRate Report	View
Year Established	1934
Employees	284
Primary Regulator	FDIC
Assets and Liabilities
Assets	$826.52 million
Loans	$633.59 million
Deposits	$637.23 million
Equity Capital	$74.73 million
Loan Loss Allowance	$8.45 million
Unbacked Noncurrent Loans	$11.36 million
Real Estate Owned	$384,000
Historic Data - March 2011
Assets	$779.88 million
Equity Capital	$70.36 million
Loan Loss Allowance	$7.46 million
Unbacked Noncurrent Loans	$12.20 million
Real Estate Owned	$2.00 million
Profit Margin - Quarterly
Net Interest Margin	4.1%
Return on Assets	0.88%
Return on Equity	9.65%
Interest Income	$9.81 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 Teche Federal Bank had $11.74 million in non-current loans and owned real-estate with $83.18 million in equity and loan loss allowances on hand to cover it. This gives Teche Federal Bank a Texas Ratio of 14.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Teche Federal Bank decreased slightly from 18.44% as of March 31, 2011 to 14.11% as of March 31, 2012, resulting in a positive change of 23.45%.This indicates that the balance sheet and financial strength for Teche Federal Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Teche Federal Bank has increased its total deposits by $20.01 million, resulting in 3.24% 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 Teche Federal 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. Teche Federal Bank has $826.52 million in assets with $83.18 million in equity, resulting in a capitalization level of 10.06%, which is above average.

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Teche Federal Bank

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