The Oneida Savings Bank

The Oneida Savings Bank is headquartered in Oneida and is the 64^th largest bank in the state of New York. It is also the 947^th largest bank in the nation. It was established in 1866 and as of March of 2012, it had grown to 325 employees at 13 locations. The Oneida Savings Bank has a 5-star health rating.

The Oneida Savings Bank Checking Account Rates

The Oneida Savings Bank Savings Account Rates

The Oneida Savings Bank Money Market Rates

The Oneida Savings Bank CD Rates

The Oneida Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics The Oneida Savings Bank FDIC Certificate # 15975 BankRate Report View Year Established 1866 Employees 325 Primary Regulator FDIC Assets and Liabilities Assets $700.00 million Loans $286.21 million Deposits $593.12 million Equity Capital $84.84 million Loan Loss Allowance $3.01 million Unbacked Noncurrent Loans $1.68 million Real Estate Owned $139,000 Historic Data - March 2011 Assets $681.15 million Equity Capital $74.35 million Loan Loss Allowance $4.64 million Unbacked Noncurrent Loans $4.06 million Real Estate Owned $322,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 1.21% Return on Equity 9.81% Interest Income $5.69 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 Oneida Savings Bank had $1.82 million in non-current loans and owned real-estate with $87.85 million in equity and loan loss allowances on hand to cover it. This gives The Oneida Savings Bank a Texas Ratio of 2.07% 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 Oneida Savings Bank decreased significantly from 5.55% as of March 31, 2011 to 2.07% as of March 31, 2012, resulting in a positive change of 62.72%.This indicates that the balance sheet and financial strength for The Oneida Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, The Oneida Savings Bank has increased its total deposits by $9.33 million, resulting in 1.6% 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 Oneida Savings 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 Oneida Savings Bank has $700 million in assets with $87.85 million in equity, resulting in a capitalization level of 12.55%, which is excellent.

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