The Old Fort Banking Company

Main Street
Old Fort, OH 44861
419-992-4227
www.oldfortbank.com

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The Old Fort Banking Company is headquartered in Old Fort and is the 51^st largest bank in the state of Ohio. It is also the 1,627^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 106 employees at 11 locations. The Old Fort Banking Company has a 5-star health rating.

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

The Old Fort Banking Company Checking Account Rates

Apy	Min	Max	Product
0.05%^†	$50	-	Journey Checking Account
0.05%^†	$500	-	Super Now Checking Account
0.05%^†	$20	-	CHOICE Club Checking Account

The Old Fort Banking Company Savings Account Rates

Apy	Min	Max	Product
0.25%^†	-	-	Business Sweep Account
0.20%^†	$20k	-	Health Saving Account
0.05%^†	$20	-	Passbook Saving Account
0.05%^†	$500	-	Passbook IRA
0.05%^†	$500	-	Passbook Roth IRA

The Old Fort Banking Company Money Market Rates

Apy	Min	Max	Product
0.40%^†	$50k	-	Preferred Money Market Account
0.20%^†	$100k	-	The Fort Money Market Account
0.20%^†	$100k	-	Marquee Money Market Account

The Old Fort Banking Company CD Rates

Apy	Min	Max	Product
1.50%^†	$1k	-	60 Month Relationship CD
1.30%^†	$1k	-	48 Month Relationship CD
1.00%^†	$1k	-	60 Month CD
0.85%^†	$1k	-	33 Month Relationship CD
0.85%^†	$1k	-	36 Month Relationship CD
0.80%^†	$1k	-	36 Month Top Rate Relationship CD
0.65%^†	$500	-	23 Month Investment Saver CD
0.65%^†	$1k	-	24 Month Relationship CD
0.65%^†	$1k	-	30 Month Relationship CD
0.55%^†	$500	-	18 Month Investment Saver CD
0.55%^†	$1k	-	18 Month Relationship CD
0.55%^†	$1k	-	23 Month Relationship CD
0.50%^†	$1k	-	15 Month Relationship CD
0.40%^†	$1k	-	33 Month CD
0.40%^†	$1k	-	36 Month CD
0.40%^†	$1k	-	12 Month Relationship CD
0.35%^†	$1k	-	24 Month CD
0.35%^†	$1k	-	30 Month CD
0.35%^†	$1k	-	36 Month Top Rate CD
0.30%^†	$500	-	9 Month Investment Saver CD
0.30%^†	$1k	-	9 Month Relationship CD
0.30%^†	$1k	-	10 Month Relationship CD
0.30%^†	$1k	-	11 Month Relationship CD
0.25%^†	$1k	-	18 Month CD
0.25%^†	$1k	-	23 Month CD
0.25%^†	$1k	-	6 Month Relationship CD
0.25%^†	$1k	-	7 Month Relationship CD
0.20%^†	$1k	-	12 Month CD
0.20%^†	$1k	-	15 Month CD
0.15%^†	$1k	-	9 Month CD
0.15%^†	$1k	-	10 Month CD
0.15%^†	$1k	-	11 Month CD
0.15%^†	$1k	-	90 Day Relationship CD
0.10%^†	$1k	-	6 Month CD
0.10%^†	$1k	-	7 Month CD
0.08%^†	$1k	-	48 Month CD
0.05%^†	$1k	-	90 Day CD

The Old Fort Banking Company IRA Rates

Apy	Min	Max	Product
1.50%^†	$1k	-	60 Month Relationship IRA
1.50%^†	$1k	-	60 Month Relationship Roth IRA
1.30%^†	$1k	-	48 Month Relationship IRA
1.30%^†	$1k	-	48 Month Relationship Roth IRA
1.00%^†	$1k	-	60 Month IRA
1.00%^†	$1k	-	60 Month Roth IRA
0.85%^†	$1k	-	33 Month Relationship IRA
0.85%^†	$1k	-	36 Month Relationship IRA
0.85%^†	$1k	-	33 Month Relationship Roth IRA
0.85%^†	$1k	-	36 Month Relationship Roth IRA
0.80%	$1k	-	36 Month - Top Rate Relationship IRA
0.80%	$1k	-	36 Month - Top Rate Relationship Roth IRA
0.65%^†	$500	-	23 Month Investment Saver IRA
0.65%^†	$1k	-	24 Month Relationship IRA
0.65%^†	$1k	-	30 Month Relationship IRA
0.65%^†	$500	-	23 Month Investment Saver Roth IRA
0.65%^†	$1k	-	24 Month Relationship Roth IRA
0.65%^†	$1k	-	30 Month Relationship Roth IRA
0.55%^†	$500	-	18 Month Investment Saver IRA
0.55%^†	$1k	-	18 Month Relationship IRA
0.55%^†	$1k	-	23 Month Relationship IRA
0.55%^†	$500	-	18 Month Investment Saver Roth IRA
0.55%^†	$1k	-	18 Month Relationship Roth IRA
0.55%^†	$1k	-	23 Month Relationship Roth IRA
0.50%^†	$1k	-	15 Month Relationship IRA
0.50%^†	$1k	-	15 Month Relationship Roth IRA
0.40%^†	$1k	-	33 Month IRA
0.40%^†	$1k	-	36 Month IRA
0.40%^†	$1k	-	33 Month Roth IRA
0.40%^†	$1k	-	36 Month Roth IRA
0.35%^†	$1k	-	24 Month IRA
0.35%^†	$1k	-	30 Month IRA
0.35%^†	$1k	-	36 Month Top Rate IRA
0.35%^†	$1k	-	24 Month Roth IRA
0.35%^†	$1k	-	30 Month Roth IRA
0.35%^†	$1k	-	36 Month Top Rate Roth IRA
0.25%^†	$1k	-	18 Month IRA
0.25%^†	$1k	-	23 Month IRA
0.25%^†	$1k	-	18 Month Roth IRA
0.25%^†	$1k	-	23 Month Roth IRA
0.20%^†	$1k	-	15 Month IRA
0.20%^†	$1k	-	15 Month Roth IRA
0.08%^†	$1k	-	48 Month IRA
0.08%^†	$1k	-	48 Month Roth IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

The Old Fort Banking Company
FDIC Certificate #	10255
BankRate Report	View
Year Established	1916
Employees	106
Primary Regulator	FDIC
Assets and Liabilities
Assets	$408.85 million
Loans	$221.92 million
Deposits	$346.46 million
Equity Capital	$38.53 million
Loan Loss Allowance	$4.68 million
Unbacked Noncurrent Loans	$1.13 million
Real Estate Owned	$1.02 million
Historic Data - March 2011
Assets	$377.18 million
Equity Capital	$33.99 million
Loan Loss Allowance	$5.59 million
Unbacked Noncurrent Loans	$3.16 million
Real Estate Owned	$3.23 million
Profit Margin - Quarterly
Net Interest Margin	3.68%
Return on Assets	0.96%
Return on Equity	10.1%
Interest Income	$4.01 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 Old Fort Banking Company had $2.14 million in non-current loans and owned real-estate with $43.21 million in equity and loan loss allowances on hand to cover it. This gives The Old Fort Banking Company a Texas Ratio of 4.96% 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 Old Fort Banking Company decreased significantly from 16.13% as of March 31, 2011 to 4.96% as of March 31, 2012, resulting in a positive change of 69.23%.This indicates that the balance sheet and financial strength for The Old Fort Banking Company has improved significantly in recent periods.
Deposit Growth
In the past year, The Old Fort Banking Company has increased its total deposits by $26.4 million, resulting in 8.25% 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 Old Fort Banking 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 Old Fort Banking Company has $408.85 million in assets with $43.21 million in equity, resulting in a capitalization level of 10.57%, which is above average.

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