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Overview / Commentary
800-745-9998
160 N 4th Street
Tecumseh, NE 68450

Tecumseh Federal Bank is headquartered in Tecumseh and is the 130th largest bank in the state of Nebraska. It is also the 5,719st largest bank in the nation. It was established in 1904 and as of March of 2014, it had grown to 10 employees at 1 location. Tecumseh Federal Bank has a A health rating.

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Health

Data for Q1 2014

Institution Health

A
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Tecumseh Federal Bank has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Tecumseh Federal Bank had $290,000 in non-current loans and owned real-estate with $9.1 million in equity and loan loss allowances on hand to cover it. This gives Tecumseh Federal Bank a Texas Ratio of 3.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Tecumseh Federal Bank decreased dramatically from 6.31% as of March 31, 2013 to 3.19% as of March 31, 2014, resulting in a positive change of 49.51%.This indicates that the balance sheet and financial strength for Tecumseh Federal Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Tecumseh Federal Bank has increased its total deposits by $1.38 million, resulting in 2.83% 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 Tecumseh Federal Bank has shown is above average.

Capitalization

GRADE:
A+

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. Tecumseh Federal Bank has $59.89 million in assets with $9.1 million in equity, resulting in a capitalization level of 15.19%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #30395
Year Established1904
Employees10
Primary RegulatorOCC
Assets and Liabilities
Assets$59.89 million
Loans$33.23 million
Deposits$50.33 million
Equity Capital$8.71 million
Loan Loss Allowance$390,000
Unbacked Noncurrent Loans$258,000
Real Estate Owned$32,000
Historic Data - March 2013
Assets$58.41 million
Equity Capital$8.58 million
Loan Loss Allowance$373,000
Unbacked Noncurrent Loans$258,000
Real Estate Owned$182,000
Profit Margin - Quarterly
Net Interest Margin3.03%
Return on Assets1.03%
Return on Equity7.03%
Interest Income$568,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Tecumseh Federal Bank, we are a rate comparison website and can not provide official rates or promotions.

Tecumseh Federal Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$25-Optional Passbook Account

Tecumseh Federal Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$2,500-Tradition MMDA Checking
0.20%--Bonus Money Market Account

Tecumseh Federal Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$500-Value Checking
0.20%$250-Loyalty Checking

Tecumseh Federal Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-72 Month CD
1.10%$500-96 Month CD
1.00%$500-48 Month CD
0.80%$500-30 Month CD
0.50%$500-18 Month CD
0.40%$500-12 Month CD
0.30%$500-182 Day CD
0.20%$500-91 Day CD

Tecumseh Federal Bank IRA Rates

DetailsAPYMINMAXPRODUCT
1.36%$500-72 Month IRA
1.36%$500-96 Month IRA
1.26%$500-48 Month IRA
1.05%$500-30 Month IRA
0.75%$500-18 Month IRA
0.65%$500-12 Month IRA
Locations


Tecumseh Federal Bank Locations
Tecumseh Federal Bank160 N 4th StreetTecumseh, NE 68450