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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 139th largest bank in the state of Nebraska. It is also the 5,804th largest bank in the nation. It was established in 1904 and as of December of 2013, it had grown to 10 employees at 1 location. Tecumseh Federal Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+
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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Tecumseh Federal Bank had $285,000 in non-current loans and owned real-estate with $8.98 million in equity and loan loss allowances on hand to cover it. This gives Tecumseh Federal Bank a Texas Ratio of 3.18% 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 9.12% as of December 31, 2012 to 3.18% as of December 31, 2013, resulting in a positive change of 65.18%.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 $356,000, resulting in 0.74% 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 $57.82 million in assets with $8.98 million in equity, resulting in a capitalization level of 15.52%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #30395
Year Established1904
Employees10
Primary RegulatorOCC
Assets and Liabilities
Assets$57.82 million
Loans$33.59 million
Deposits$48.43 million
Equity Capital$8.58 million
Loan Loss Allowance$394,000
Unbacked Noncurrent Loans$248,000
Real Estate Owned$37,000
Historic Data - December 2012
Assets$57.44 million
Equity Capital$8.51 million
Loan Loss Allowance$332,000
Unbacked Noncurrent Loans$248,000
Real Estate Owned$205,000
Profit Margin - Quarterly
Net Interest Margin2.9%
Return on Assets0.4%
Return on Equity2.72%
Interest Income$2.22 million
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%--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 (Traditional,CESA)
1.36%$500-96 Month IRA (Traditional,CESA)
1.26%$500-48 Month IRA (Traditional,CESA)
1.05%$500-30 Month IRA (Traditional,CESA)
0.75%$500-18 Month IRA (Traditional,CESA)
0.65%$500-12 Month IRA (Traditional,CESA)
Locations


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