Urban Partnership Bank

7054 South Jeffery Boulevard
Chicago, IL 60649
800.905.7725
www.upbnk.com

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Urban Partnership Bank is headquartered in Chicago and is the 36^th largest bank in the state of Illinois. It is also the 607^th largest bank in the nation. It was established in 2010 and as of December of 2012, it had grown to 308 employees at 16 locations. Urban Partnership Bank's savings rates are 25% higher than the national average, but it has a 2-star health rating.

Special CD Rates at Urban Partnership Bank - Available Nationwide - 9/7/2011

Urban Partnership Bank is offering competitive rates on three of its CD specials: 2.42% APY 5-year CD, 1.46% APY 30-month CD and 1.16% APY 18-month CD. Mimimum deposit is $1,000, and the maximum balan ...

Urban Partnership Bank Increases Rates at ShoreBank Direct - 8/30/2010

When a bank fails and the FDIC arranges for another bank to take over, depositors often lose out. All of their insured deposits are safe, but if they have CDs, rates have often been cut. Depositors ar ...

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

Urban Partnership Bank Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$50k	-	Partnership Plus Checking

Urban Partnership Bank Savings Account Rates

Apy	Min	Max	Product
0.70%	$100k	-	Online Savings
0.25%	$50	-	All Partnership Savings
0.25%	$50	-	Minor Savings

Urban Partnership Bank Money Market Rates

Apy	Min	Max	Product
0.50%	$100k	-	Money Market
0.50%	$100k	-	Premium IRA Money Market

Urban Partnership Bank CD Rates

Apy	Min	Max	Product
1.05%	$100k	-	5 Year CD
1.00%	$1k	$100k	60 Month CD
0.92%	$100k	-	260 Week CDARS
0.80%	$1k	$1m	42 Month CD
0.80%	$100k	-	3 Year CD
0.70%	$1k	$100k	30 Month CD
0.67%	$100k	-	156 Week CDARS
0.55%	$100k	-	2 Year CD
0.45%	$100k	-	1 Year CD
0.45%	$1k	$100k	18 Month CD
0.42%	$100k	-	104 Week CDARS
0.40%	$1k	$1m	12 Month CD
0.40%	$100k	-	270 Day CD
0.35%	$100k	-	180 Day CD
0.35%	$100k	-	210 Day CD
0.32%	$100k	-	52 Week CDARS
0.30%	$1k	$1m	6 Month CD
0.30%	$100k	-	150 Day CD
0.25%	$100k	-	120 Day CD
0.22%	$100k	-	26 Week CDARS
0.20%	$1k	$1m	3 Month CD
0.20%	$100k	-	90 Day CD
0.15%	$100k	-	60 Day CD
0.10%	$100k	-	30 Day CD
0.07%	$100k	-	13 Week CDARS

Urban Partnership Bank IRA Rates

Apy	Min	Max	Product
1.05%	-	-	60 Month IRA - Fixed
1.00%	-	-	48 Month Educational IRA
0.80%	-	-	36 Month IRA
0.55%	-	-	24 Month Educational IRA
0.50%	-	-	18 Month IRA

Rates updated: 5/20/2013

Data for Q4 2012

Institution Statistics

Urban Partnership Bank
FDIC Certificate #	59051
BankRate Report	View
Year Established	2010
Employees	308
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.09 billion
Loans	$619.27 million
Deposits	$968.11 million
Equity Capital	$114.36 million
Loan Loss Allowance	$94.15 million
Unbacked Noncurrent Loans	$200.73 million
Historic Data - December 2011
Assets	$1.26 billion
Equity Capital	$133.61 million
Loan Loss Allowance	$79.29 million
Unbacked Noncurrent Loans	$241.41 million
Profit Margin - Quarterly
Net Interest Margin	6.22%
Return on Assets	-2.08%
Return on Equity	-19.59%
Interest Income	$60.66 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 December 31, 2012 Urban Partnership Bank had $200.73 million in non-current loans and owned real-estate with $208.51 million in equity and loan loss allowances on hand to cover it. This gives Urban Partnership Bank a Texas Ratio of 96.27% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Urban Partnership Bank decreased slightly from 113.39% as of December 31, 2011 to 96.27% as of December 31, 2012, resulting in a positive change of 15.10%.This indicates that the balance sheet and financial strength for Urban Partnership Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Urban Partnership Bank has decreased its total deposits by -$149.54 million, resulting in -13.38% 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 Urban Partnership Bank has shown is poor.
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. Urban Partnership Bank has $1.09 billion in assets with $208.51 million in equity, resulting in a capitalization level of 19.05%, which is excellent.