Third Federal Bank

950 Newton-Yardley Road
Newtown, PA 18940
215-579-4000
www.thirdfedbank.com

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Third Federal Bank is headquartered in Newtown and is the 49^th largest bank in the state of Pennsylvania. It is also the 955^th largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 176 employees at 15 locations. Third Federal Bank's money market rates are 59% higher than the national average, and it has a 4-star health rating.

Third Federal Bank Routing Number: 231372183

3.75% 30-Month CD at a Pennsylvania Bank (Third Federal). - 5/1/2008

Update 6/14/08: The CD special has changed. Please see the bank's website for the latest rates and specials.Update 5/17/08: The yield of this CD special has fallen to 3.75% APY. The checking requirement is no longer listed. The title has been modified to...

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

Third Federal Bank Checking Account Rates

Apy	Min	Max	Product
0.20%	$500	-	Interest Checking
0.20%	$50	-	Platinum Checking

Third Federal Bank Savings Account Rates

Apy	Min	Max	Product
0.40%	$20k	-	Select Savings
0.25%	-	-	Statement Holiday Club
0.25%	-	-	Statement Vacation Club
0.20%	$200	-	Statement Savings
0.20%	$200	-	Business Savings
0.20%	$200	-	IRA Statement Savings

Third Federal Bank Money Market Rates

Apy	Min	Max	Product
0.90%	$100k	-	Business Money Market
0.50%	$250k	-	EverGreen Money Market
0.20%	$5k	-	Emerald Money Market

Third Federal Bank CD Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month CD
1.25%	$500	-	120 Month CD
1.00%	$500	-	48 Month CD
0.75%	$500	-	36 Month CD
0.65%	$500	-	30 Month CD
0.55%	$500	-	24 Month CD
0.45%	$500	-	15 Month CD
0.45%	$500	-	18 Month CD
0.40%	$500	-	12 Month CD
0.30%	$500	-	6 Month CD
0.30%	$500	-	7 Month CD
0.30%	$500	-	9 Month CD
0.25%	$500	-	3 Month CD

Third Federal Bank IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	60 Month IRA
1.25%	$500	-	120 Month IRA
1.00%	$500	-	48 Month IRA
0.75%	$500	-	36 Month IRA
0.65%	$500	-	30 Month IRA
0.55%	$500	-	24 Month IRA
0.45%	$500	-	15 Month IRA
0.40%	$500	-	12 Month IRA
0.30%	$500	-	6 Month IRA
0.30%	$500	-	7 Month IRA
0.30%	$500	-	9 Month IRA
0.25%	$500	-	3 Month IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

3rd Fed Bank
OTS #	02966
FDIC Certificate #	29132
BankRate Report	View
Year Established	1921
Employees	176
Primary Regulator	FDIC
Assets and Liabilities
Assets	$695.63 million
Loans	$491.38 million
Deposits	$567.46 million
Equity Capital	$75.11 million
Loan Loss Allowance	$6.98 million
Unbacked Noncurrent Loans	$13.89 million
Real Estate Owned	$10.25 million
Historic Data - March 2011
Assets	$684.97 million
Equity Capital	$71.73 million
Loan Loss Allowance	$5.72 million
Unbacked Noncurrent Loans	$17.88 million
Real Estate Owned	$8.00 million
Profit Margin - Quarterly
Net Interest Margin	3.72%
Return on Assets	0.74%
Return on Equity	6.81%
Interest Income	$7.32 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 Third Federal Bank had $24.14 million in non-current loans and owned real-estate with $82.09 million in equity and loan loss allowances on hand to cover it. This gives Third Federal Bank a Texas Ratio of 29.40% 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 Third Federal Bank held steady from 33.42% as of March 31, 2011 to 29.40% as of March 31, 2012, resulting in a positive change of 12.02%.This indicates that the balance sheet and financial strength for Third Federal Bank has held steady in recent periods.
Deposit Growth
In the past year, Third Federal Bank has increased its total deposits by $16.78 million, resulting in 3.05% 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 Third Federal 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. Third Federal Bank has $695.63 million in assets with $82.09 million in equity, resulting in a capitalization level of 11.80%, which is above average.