The Killbuck Savings Bank Company

The Killbuck Savings Bank Company Locations
165 North Main Street
Killbuck, OH 44637
330-276-4881
www.killbuckbank.com

The Killbuck Savings Bank Company is headquartered in Killbuck and is the 46th largest bank in the state of Ohio. It is also the 1,480th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 108 employees at 10 locations. The Killbuck Savings Bank Company's savings rates are 21% higher than the national average, and it boasts a 5-star health rating.



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

The Killbuck Savings Bank Company Checking Account Rates

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0.10%$2k-Super NOW
0.10%--Business Checking Plus
0.05%$850-Regular NOW

The Killbuck Savings Bank Company Savings Account Rates

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0.63%$25-HSA Accounts
0.25%--IRA Savings Passbook
0.10%--Passbook Savings

The Killbuck Savings Bank Company Money Market Rates

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0.35%$50k-Liberty Money Market
0.15%$2k-Money Market Plus

The Killbuck Savings Bank Company CD Rates

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1.51%$500-5 Year CD
1.51%$100k-5 Year Jumbo CD
1.16%$100k-4 Year Jumbo CD
1.11%$500-4 Year CD
0.90%$2k-30 Month Performance Plus Add On CD
0.90%$100k-3 Year Jumbo CD
0.85%$500-3 Year CD
0.65%$100k-2 Year Jumbo CD
0.60%$500-2 Year CD
0.60%$2k-18 Month Performance Plus Add On CD
0.50%$5k-13 Month Performance Plus Add On CD
0.50%$100k-1 Year Jumbo CD
0.45%$500-1 Year CD
0.30%$100k-180 Day Jumbo CD
0.25%$500-180 - 364 Day CD
0.25%$100k-120 Day Jumbo CD
0.20%$500-Less than 30 Day CD
0.20%$500-30 - 89 Day CD
0.20%$500-90 - 179 Day CD
0.20%$100k-30 Day Jumbo CD
0.20%$100k-60 Day Jumbo CD
0.20%$100k-90 Day Jumbo CD

The Killbuck Savings Bank Company IRA Rates

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1.51%$500-5 Year IRA
1.51%$100k-5 Year Jumbo IRA
1.16%$100k-4 Year Jumbo IRA
1.11%$500-4 Year IRA
1.00%$25-18 Month Variable IRA
0.90%$2k-30 Month Performance Plus Add On IRA
0.90%$100k-3 Year Jumbo IRA
0.85%$500-3 Year IRA
0.65%$100k-2 Year Jumbo IRA
0.60%$2k-18 Month Performance Plus Add On IRA
0.60%$500-2 Year IRA
0.50%$100k-1 Year Jumbo IRA
0.50%$5k-13 Month Performance Plus Add On IRA
0.45%$500-1 Year IRA
0.30%$100k-180 Day Jumbo IRA
0.25%$100k-120 Day Jumbo IRA
0.25%$500-180 - 364 Day IRA
0.20%$500-Less than 30 Day IRA
0.20%$500-30 - 89 Day IRA
0.20%$100k-30 Day Jumbo IRA
0.20%$100k-60 Day Jumbo IRA
0.20%$500-90 - 179 Day IRA
0.20%$100k-90 Day Jumbo IRA

Rates updated: 5/26/2012

Data for Q1 2012


Institution Statistics


The Killbuck Savings Bank Company
FDIC Certificate #11860
BankRate ReportView
Year Established1900
Employees108
Primary RegulatorFED

Assets and Liabilities

Assets$450.84 million
Loans$228.98 million
Deposits$402.83 million
Equity Capital$45.08 million
Loan Loss Allowance$2.44 million
Unbacked Noncurrent Loans$50,000

Historic Data - March 2011

Assets$411.95 million
Equity Capital$43.19 million
Loan Loss Allowance$2.67 million
Unbacked Noncurrent Loans$253,000

Profit Margin - Quarterly

Net Interest Margin2.66%
Return on Assets0.67%
Return on Equity6.61%
Interest Income$3.62 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 The Killbuck Savings Bank Company had $50,000 in non-current loans and owned real-estate with $47.52 million in equity and loan loss allowances on hand to cover it. This gives The Killbuck Savings Bank Company a Texas Ratio of 0.11% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for The Killbuck Savings Bank Company decreased significantly from 0.55% as of March 31, 2011 to 0.11% as of March 31, 2012, resulting in a positive change of 80.93%.This indicates that the balance sheet and financial strength for The Killbuck Savings Bank Company has improved significantly in recent periods.
Deposit Growth5
In the past year, The Killbuck Savings Bank Company has increased its total deposits by $38.81 million, resulting in 10.66% 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 The Killbuck Savings Bank Company has shown is excellent.
Capitalization4
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. The Killbuck Savings Bank Company has $450.84 million in assets with $47.52 million in equity, resulting in a capitalization level of 10.54%, which is above average.
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