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533 Ohio Street
Terre Haute, IN 47808

Terre Haute Savings Bank is headquartered in Terre Haute and is the 49th largest bank in the state of Indiana. It is also the 2,159th largest bank in the nation. It was established in 1869 and as of March of 2014, it had grown to 96 employees at 7 locations. Terre Haute Savings Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


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 Terre Haute Savings Bank had $4.07 million in non-current loans and owned real-estate with $29.17 million in equity and loan loss allowances on hand to cover it. This gives Terre Haute Savings Bank a Texas Ratio of 13.95% 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 Terre Haute Savings Bank experienced no significant changes from 10.23% as of March 31, 2013 to 13.95% as of March 31, 2014, resulting in a negative change of 36.31%. This indicates that the balance sheet and financial strength for Terre Haute Savings Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Terre Haute Savings Bank has increased its total deposits by $4.62 million, resulting in 1.83% 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 Terre Haute Savings Bank has shown is above average.



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. Terre Haute Savings Bank has $303.87 million in assets with $29.17 million in equity, resulting in a capitalization level of 9.60%, which is above average.

Institution Statistics

FDIC Certificate #17736
Year Established1869
Primary RegulatorFDIC
Assets and Liabilities
Assets$303.87 million
Loans$187.36 million
Deposits$256.61 million
Equity Capital$26.12 million
Loan Loss Allowance$3.05 million
Unbacked Noncurrent Loans$3.23 million
Real Estate Owned$838,000
Historic Data - March 2013
Assets$299.90 million
Equity Capital$27.08 million
Loan Loss Allowance$2.75 million
Unbacked Noncurrent Loans$3.23 million
Real Estate Owned$546,000
Profit Margin - Quarterly
Net Interest Margin3.24%
Return on Assets0.16%
Return on Equity1.86%
Interest Income$2.56 million

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Terre Haute Savings Bank Savings Account Rates

0.50%--Christmas Club
0.50%--Spring Break Savings Club
0.25%$7,500-Savings Plus
0.25%--Busy Bee
0.10%$50-Direct Deposit Savings
0.10%$2,500-Health Savings Account
0.05%$50-Regular Passbook Savings

Terre Haute Savings Bank Money Market Rates

0.20%$100k-Money Market Plus

Terre Haute Savings Bank Checking Account Rates

0.05%--Direct Deposit Checking
0.05%$1k-Now Account
0.05%--Super Now Account

Terre Haute Savings Bank CD Rates

0.65%$500-60 Month CD
0.50%$500-36 Month CD
0.50%$500-48 Month CD
0.30%$500-30 Month CD
0.25%$500-24 Month CD
0.20%$500-18 Month CD
0.15%$500-12 Month CD
0.10%$500-182 Day CD
0.05%$500-91 Day CD

Terre Haute Savings Bank IRA Rates

1.00%$500-60 Month Fixed IRA
0.80%$500-48 Month Fixed IRA
0.70%$500-36 Month Fixed IRA
0.55%$500-30 Month Fixed IRA
0.45%$500-24 Month Fixed IRA
0.40%$500-18 Month Fixed IRA
0.35%$500-12 Month Fixed IRA
0.30%$500-18 Month Variable IRA

Terre Haute Savings Bank Locations
Westminster Branch1120 E Davis DriveTerre Haute, IN 47802
North Banking Center Branch1820 Lafayette AveTerre Haute, IN 47804
Poplar Street Branch2503 Poplar StreetTerre Haute, IN 47803
Brazil Banking Center Branch260 E. National AveBrazil, IN 47834
US Highway 41 Branch4729 South US Highway 41Terre Haute, IN 47802
Terre Haute Savings Bank533 Ohio StreetTerre Haute, IN 47808
Riley Branch7345 S. State Road 46Terre Haute, IN 47802