Westbury Bank

201 South Fifth Avenue
West Bend, WI 53095
262.334.5563
www.westburybankwi.com

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Westbury Bank is a mutual bank which is owned by its depositors. It has branches throughout the Milwaukee metro area.

Westbury Bank Routing Number: 275971825

High-Yield Reward Checking Account at Westbury Bank in Wisconsin - 6/20/2007

Update 5/31/09: The top rate only applies to the first $25,000 starting in June 2009. Refer to the bottom of the post for the rate history.Westbury Bank has a reward checking account that it calls the IDEAL Checking. It offers 3.75% APY on balances up to...

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

Westbury Bank Checking Account Rates

Apy	Min	Max	Product
1.25%	-	$15k	Ideal Checking
0.25%	$25k	-	Premier Checking
0.10%	$2,500	-	Essential Plus Checking
0.00%	-	-	Small Business Checking with Interest

Westbury Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	$5k	-	Super Savings Account
0.20%	-	-	Daily Savings
0.20%	-	-	Homer's Kids Club Savings

Westbury Bank Money Market Rates

	Apy	Min	Max	Product
	0.35%	$50k	-	Premier Money Market

Westbury Bank CD Rates

Apy	Min	Max	Product
1.20%	$500	-	5 Year CD
1.00%	$500	-	4 Year CD
0.80%	$500	-	Rate Grabber - Five Year
0.75%	$500	-	3 Year CD
0.65%	$500	-	Rate Grabber - Four Year
0.50%	$500	-	Rate Grabber - Three Year
0.45%	$500	-	2 Year CD
0.40%	$500	-	18 Month CD
0.30%	$500	-	1 Year CD
0.25%	$500	-	9 Month CD
0.20%	$500	-	6 Month CD

Westbury Bank IRA Rates

Apy	Min	Max	Product
1.20%	$500	-	5 Year IRA
1.00%	$500	-	4 Year IRA
0.80%	$500	-	Rate Grabber - Five Year IRA
0.75%	-	-	36 Month Fixed IRA
0.75%	$500	-	3 Year IRA
0.65%	$500	-	Rate Grabber - Four Year IRA
0.50%	$500	-	Rate Grabber - Three Year IRA
0.45%	$500	-	2 Year IRA
0.40%	$500	-	18 Month IRA
0.30%	-	-	18 Month Variable IRA
0.30%	$500	-	1 Year IRA
0.25%	$500	-	9 Month IRA
0.20%	$500	-	6 Month IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

Westbury Bank
OTS #	17893
FDIC Certificate #	28400
BankRate Report	View
Year Established	1926
Employees	161
Primary Regulator	OCC
Assets and Liabilities
Assets	$619.41 million
Loans	$417.87 million
Deposits	$552.41 million
Equity Capital	$53.17 million
Loan Loss Allowance	$4.31 million
Unbacked Noncurrent Loans	$19.82 million
Real Estate Owned	$4.89 million
Historic Data - September 2010
Assets	$636.09 million
Equity Capital	$55.21 million
Loan Loss Allowance	$4.31 million
Unbacked Noncurrent Loans	$19.05 million
Real Estate Owned	$23.67 million
Profit Margin - Quarterly
Net Interest Margin	3.54%
Return on Assets	-0.21%
Return on Equity	-2.41%
Interest Income	$18.35 million

Institution Health

Overall Score:

3 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 September 30, 2011 Westbury Bank had $24.71 million in non-current loans and owned real-estate with $57.48 million in equity and loan loss allowances on hand to cover it. This gives Westbury Bank a Texas Ratio of 42.98% 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 Westbury Bank decreased significantly from 71.78% as of September 30, 2010 to 42.98% as of September 30, 2011, resulting in a positive change of 40.11%.This indicates that the balance sheet and financial strength for Westbury Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Westbury Bank has decreased its total deposits by -$9.22 million, resulting in -1.64% 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 Westbury 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. Westbury Bank has $619.41 million in assets with $57.48 million in equity, resulting in a capitalization level of 9.28%, which is average.