The Randolph National Bank

The Randolph National Bank is headquartered in Randolph and is the 12^st largest bank in the state of Vermont. It is also the 3,528^th largest bank in the nation. It was established in 1875 and as of March of 2012, it had grown to 64 employees at 9 locations. The Randolph National Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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The Randolph National Bank Savings Account Rates

The Randolph National Bank Money Market Rates

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The Randolph National Bank IRA Rates

Data for Q1 2012

Institution Statistics The Randolph National Bank FDIC Certificate # 6281 BankRate Report View Year Established 1875 Employees 64 Primary Regulator OCC Assets and Liabilities Assets $170.21 million Loans $135.65 million Deposits $152.39 million Equity Capital $14.27 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $2.15 million Real Estate Owned $723,000 Historic Data - March 2011 Assets $160.68 million Equity Capital $13.92 million Loan Loss Allowance $1.61 million Unbacked Noncurrent Loans $1.65 million Real Estate Owned $879,000 Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets 0.23% Return on Equity 2.75% Interest Income $1.96 million

Institution Health Overall Score: 4 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 Randolph National Bank had $2.88 million in non-current loans and owned real-estate with $15.92 million in equity and loan loss allowances on hand to cover it. This gives The Randolph National Bank a Texas Ratio of 18.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Randolph National Bank held steady from 14.87% as of March 31, 2011 to 18.06% as of March 31, 2012, resulting in a negative change of 21.46%. This indicates that the balance sheet and financial strength for The Randolph National Bank has held steady in recent periods. Deposit Growth In the past year, The Randolph National Bank has increased its total deposits by $10.48 million, resulting in 7.38% 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 Randolph National Bank 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 Randolph National Bank has $170.21 million in assets with $15.92 million in equity, resulting in a capitalization level of 9.35%, which is average.

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