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888-245-1929
533 Ohio Street
Terre Haute, IN 47808

Terre Haute Savings Bank is headquartered in Terre Haute and is the 50th largest bank in the state of Indiana. It is also the 2,139th largest bank in the nation. It was established in 1869 and as of December of 2013, it had grown to 93 employees at 7 locations. Terre Haute Savings Bank has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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 Terre Haute Savings Bank had $3.88 million in non-current loans and owned real-estate with $28.7 million in equity and loan loss allowances on hand to cover it. This gives Terre Haute Savings Bank a Texas Ratio of 13.50% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Terre Haute Savings Bank experienced no significant changes from 11.95% as of December 31, 2012 to 13.50% as of December 31, 2013, resulting in a negative change of 12.97%. This indicates that the balance sheet and financial strength for Terre Haute Savings Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Terre Haute Savings Bank has increased its total deposits by $13.13 million, resulting in 5.36% 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 excellent.

Capitalization

GRADE:
C+

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 $304.88 million in assets with $28.7 million in equity, resulting in a capitalization level of 9.41%, which is average.

Institution Statistics

Overall
FDIC Certificate #17736
Year Established1869
Employees93
Primary RegulatorFDIC
Assets and Liabilities
Assets$304.88 million
Loans$185.68 million
Deposits$258.00 million
Equity Capital$25.58 million
Loan Loss Allowance$3.12 million
Unbacked Noncurrent Loans$3.23 million
Real Estate Owned$643,000
Historic Data - December 2012
Assets$299.35 million
Equity Capital$27.11 million
Loan Loss Allowance$2.65 million
Unbacked Noncurrent Loans$3.23 million
Real Estate Owned$1.13 million
Profit Margin - Quarterly
Net Interest Margin3.19%
Return on Assets0.23%
Return on Equity2.65%
Interest Income$10.25 million
Rates

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

Terre Haute Savings Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.20%$100k-Money Market Plus

Terre Haute Savings Bank Checking Account Rates

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

Terre Haute Savings Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.65%$500-60 Month CD
0.50%$500-48 Month CD
0.35%$500-36 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

DetailsAPYMINMAXPRODUCT
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
Locations


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