The Mars National Bank

The Mars National Bank is headquartered in Mars and is the 94^th largest bank in the state of Pennsylvania. It is also the 1,904^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 84 employees at 6 locations. The Mars National Bank has a 5-star health rating.

The Mars National Bank Routing Number: 043312386

The Mars National Bank Checking Account Rates

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Data for Q1 2012

Institution Statistics The Mars National Bank FDIC Certificate # 7910 BankRate Report View Year Established 1900 Employees 84 Primary Regulator OCC Assets and Liabilities Assets $345.06 million Loans $142.54 million Deposits $307.48 million Equity Capital $36.61 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $2.40 million Historic Data - March 2011 Assets $337.40 million Equity Capital $35.06 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $3.08 million Real Estate Owned $145,000 Profit Margin - Quarterly Net Interest Margin 2.88% Return on Assets 0.22% Return on Equity 2.02% Interest Income $2.71 million

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 The Mars National Bank had $2.4 million in non-current loans and owned real-estate with $38.68 million in equity and loan loss allowances on hand to cover it. This gives The Mars National Bank a Texas Ratio of 6.22% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Mars National Bank decreased slightly from 8.78% as of March 31, 2011 to 6.22% as of March 31, 2012, resulting in a positive change of 29.19%.This indicates that the balance sheet and financial strength for The Mars National Bank has improved slightly in recent periods. Deposit Growth In the past year, The Mars National Bank has increased its total deposits by $6.18 million, resulting in 2.05% 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 Mars National 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. The Mars National Bank has $345.06 million in assets with $38.68 million in equity, resulting in a capitalization level of 11.21%, which is above average.

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