The Patapsco Bank

1301 Merritt Boulevard
Baltimore, MD 21222
(800)-285-1677
www.patapscobank.com

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The Patapsco Bank is headquartered in Baltimore and is the 41^st largest bank in the state of Maryland. It is also the 2,534^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 60 employees at 5 locations. The Patapsco Bank has a 2-star health rating.

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

The Patapsco Bank Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	Xcellent Interest Checking Account
0.15%	$1k	-	Lifetime Free Interest Checking Account
0.10%	$25	-	Non Profit Checking Account
0.10%	$100	-	Basic Interest Checking Account
0.10%	$1k	-	Standard Interest Checking Account
0.00%	-	-	Hassle Free Checking Account

The Patapsco Bank Savings Account Rates

	Apy	Min	Max	Product
	0.20%	$50	-	Statement Savings Account

The Patapsco Bank Money Market Rates

	Apy	Min	Max	Product
	0.70%	$250k	-	Premier Money Market Account

The Patapsco Bank CD Rates

Apy	Min	Max	Product
1.65%	$1k	-	59 Month Promo CD With Interest Checking
1.50%	$500	-	60 Month CD With Interest Checking
1.50%	$500	-	66 Month CD With Interest Checking
1.40%	$1k	-	59 Month Promo CD Without Interest Checking
1.30%	$500	-	48 Month CD With Interest Checking
1.25%	$500	-	66 Month CD Without Interest Checking
1.25%	$500	-	60 Month CD Without Interest Checking
1.05%	$500	-	48 Month CD Without Interest Checking
1.05%	$500	-	36 Month CD With Interest Checking
0.85%	$500	-	30 Month CD With Interest Checking
0.80%	$500	-	36 Month CD Without Interest Checking
0.80%	$1k	-	21 Month Promo CD With Interest Checking
0.75%	$100k	-	3 Year CDARS
0.70%	$500	-	24 Month CD With Interest Checking
0.65%	$100k	-	2 Year CDARS
0.65%	$500	-	18 Month CD With Interest Checking
0.60%	$500	-	30 Month CD Without Interest Checking
0.60%	$500	-	12 Month CD With Interest Checking
0.60%	$1k	-	10 Month Promo CD With Interest Checking
0.55%	$1k	-	21 Month Promo CD Without Interest Checking
0.45%	$500	-	24 Month CD Without Interest Checking
0.45%	$500	-	182 Day CD With Interest Checking
0.40%	$500	-	18 Month CD Without Interest Checking
0.35%	$500	-	12 Month CD Without Interest Checking
0.35%	$1k	-	10 Month Promo CD Without Interest Checking
0.30%	$500	-	91 Day CD With Interest Checking
0.20%	$100k	-	52 Week CDARS
0.20%	$500	-	182 Day CD Without Interest Checking
0.10%	$100k	-	26 Week CDARS
0.05%	$100k	-	13 Week CDARS
0.05%	$500	-	91 Day CD Without Interest Checking

The Patapsco Bank IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA With Interest Checking
1.50%	$500	-	66 Month IRA With Interest Checking
1.30%	$500	-	48 Month IRA With Interest Checking
1.25%	$500	-	60 Month IRA Without Interest Checking
1.25%	$500	-	66 Month IRA Without Interest Checking
1.05%	$500	-	36 Month IRA With Interest Checking
1.05%	$500	-	48 Month IRA Without Interest Checking
0.85%	$500	-	30 Month IRA With Interest Checking
0.80%	$500	-	36 Month IRA Without Interest Checking
0.70%	$500	-	24 Month IRA With Interest Checking
0.65%	$500	-	18 Month IRA With Interest Checking
0.60%	$500	-	12 Month IRA With Interest Checking
0.60%	$500	-	30 Month IRA Without Interest Checking
0.45%	$500	-	182 Day IRA With Interest Checking
0.45%	$500	-	24 Month IRA Without Interest Checking
0.40%	$500	-	18 Month IRA Without Interest Checking
0.35%	$500	-	12 Month IRA Without Interest Checking
0.20%	$500	-	182 Day IRA Without Interest Checking

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

The Patapsco Bank
FDIC Certificate #	30869
BankRate Report	View
Year Established	1910
Employees	60
Primary Regulator	FED
Assets and Liabilities
Assets	$254.87 million
Loans	$177.86 million
Deposits	$227.81 million
Equity Capital	$17.08 million
Loan Loss Allowance	$3.92 million
Unbacked Noncurrent Loans	$9.13 million
Real Estate Owned	$2.20 million
Historic Data - March 2011
Assets	$270.64 million
Equity Capital	$21.48 million
Loan Loss Allowance	$4.22 million
Unbacked Noncurrent Loans	$12.30 million
Real Estate Owned	$1.45 million
Profit Margin - Quarterly
Net Interest Margin	3.71%
Return on Assets	-2.85%
Return on Equity	-40.56%
Interest Income	$2.87 million

Institution Health

Overall Score:

2 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 Patapsco Bank had $11.33 million in non-current loans and owned real-estate with $21 million in equity and loan loss allowances on hand to cover it. This gives The Patapsco Bank a Texas Ratio of 53.95% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for The Patapsco Bank held steady from 54.26% as of March 31, 2011 to 53.95% as of March 31, 2012, resulting in a positive change of 0.56%.This indicates that the balance sheet and financial strength for The Patapsco Bank has held steady in recent periods.
Deposit Growth
In the past year, The Patapsco Bank has decreased its total deposits by -$8.26 million, resulting in -3.5% 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 Patapsco Bank has shown is below 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 Patapsco Bank has $254.87 million in assets with $21 million in equity, resulting in a capitalization level of 8.24%, which is average.

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