Tecumseh Federal Bank

160 N 4th Street
Tecumseh, NE 68450
1-800-745-9998
www.tecfedbank.com

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Tecumseh Federal Bank is headquartered in Tecumseh and is the 133^rd largest bank in the state of Nebraska. It is also the 6,147^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 10 employees at 1 location. Tecumseh Federal Bank has a 5-star health rating.

Tecumseh Federal Bank Routing Number: 304972232

Top 6-Year CD Rate in Nebraska at Tecumseh Federal Bank - Local Only - 1/16/2012

Tecumseh Federal Bank has a very competitive rate for its two long-term CDs. Its 6-year and 8-year CDs have a 3.03% APY. It's one of the few banks that lists a 6-year CD but no 5-year CD. The shorter ...

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

Tecumseh Federal Bank Checking Account Rates

Apy	Min	Max	Product
0.25%	$500	-	Value Checking
0.25%	$250	-	Loyalty Checking

Tecumseh Federal Bank Savings Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Optional Passbook Account

Tecumseh Federal Bank Money Market Rates

Apy	Min	Max	Product
0.25%	$2,500	-	Tradition MMDA Checking
0.25%	-	-	Bonus Money Market Account

Tecumseh Federal Bank CD Rates

Apy	Min	Max	Product
1.51%	$500	-	72 Month CD
1.51%	$500	-	96 Month CD
1.26%	$500	-	48 Month CD
1.00%	$500	-	30 Month CD
0.75%	$500	-	18 Month CD
0.50%	$500	-	91 Day CD
0.50%	$500	-	182 Day CD
0.50%	$500	-	12 Month CD

Tecumseh Federal Bank IRA Rates

Apy	Min	Max	Product
1.76%	$500	-	48 Month IRA
1.76%	$500	-	72 Month IRA
1.76%	$500	-	96 Month IRA
1.76%	$500	-	48 Month CESA
1.76%	$500	-	72 Month CESA
1.76%	$500	-	96 Month CESA
1.51%	$500	-	30 Month IRA
1.51%	$500	-	30 Month CESA
1.26%	$500	-	18 Month IRA
1.26%	$500	-	18 Month CESA
1.00%	$500	-	12 Month IRA
1.00%	$500	-	12 Month CESA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

Tecumseh Federal Bank
OTS #	05275
FDIC Certificate #	30395
BankRate Report	View
Year Established	1904
Employees	10
Primary Regulator	OCC
Assets and Liabilities
Assets	$57.24 million
Loans	$32.91 million
Deposits	$48.08 million
Equity Capital	$8.29 million
Loan Loss Allowance	$316,000
Unbacked Noncurrent Loans	$695,000
Historic Data - March 2011
Assets	$55.22 million
Equity Capital	$8.02 million
Loan Loss Allowance	$322,000
Unbacked Noncurrent Loans	$848,000
Profit Margin - Quarterly
Net Interest Margin	2.74%
Return on Assets	-0.16%
Return on Equity	-1.06%
Interest Income	$556,000

Institution Health

Overall Score:

5 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 Tecumseh Federal Bank had $695,000 in non-current loans and owned real-estate with $8.6 million in equity and loan loss allowances on hand to cover it. This gives Tecumseh Federal Bank a Texas Ratio of 8.08% 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 Tecumseh Federal Bank decreased slightly from 10.17% as of March 31, 2011 to 8.08% as of March 31, 2012, resulting in a positive change of 20.52%.This indicates that the balance sheet and financial strength for Tecumseh Federal Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Tecumseh Federal Bank has increased its total deposits by $1.86 million, resulting in 4.03% 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
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 $57.24 million in assets with $8.6 million in equity, resulting in a capitalization level of 15.03%, which is excellent.