Institution Statistics
| The MassMutual Trust Company | | OTS # | 15930 | | FDIC Certificate # | 35394 | | BankRate Report | View | | Year Established | 2000 | | Employees | 17 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $68.75 million | | Deposits | $50.50 million | | Equity Capital | $14.49 million |
Historic Data - March 2011 | | Assets | $16.80 million | | Equity Capital | $14.42 million |
Profit Margin - Quarterly | | Net Interest Margin | 0.84% | | Return on Assets | -0.07% | | Return on Equity | -0.33% | | Interest Income | $188,000 |
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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 MassMutual Trust Company had $0 in non-current loans and owned real-estate with $14.49 million in equity and loan loss allowances on hand to cover it. This gives The MassMutual Trust Company a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, The MassMutual Trust Company has increased its total deposits by $50 million, resulting in 10,000% 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 MassMutual Trust Company has shown is excellent. | | 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 MassMutual Trust Company has $68.75 million in assets with $14.49 million in equity, resulting in a capitalization level of 21.08%, which is excellent. |
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