Baltimore County Savings Bank

4208 Ebenezer Road Ste A
Nottingham, MD 21236

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32341
Date Established 1955
Assets $0.60 billion
Loans $0.32 billion
Deposits $0.53 billion
Capital $0.06 billion

Baltimore County Savings Bank is an FDIC insured institution located in Nottingham, MD. It was founded in 1955 and has approximately $0.6 billion in assets.

For a more detailed analysis of Baltimore County Savings Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Baltimore County Savings Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks, Baltimore County Savings Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 41.62
Multifamily
Mortgages
3.30
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 13.73
Construction and Development Loans 8.90
Commercial Real Estate 44.71
Commercial and Industrial Loans 1.71
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Baltimore County Savings Bank, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Baltimore County Savings Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Baltimore County Savings Bank
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Branches

Baltimore County Savings Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Baltimore County Savings Bank Locations

Financial Details

Baltimore County Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Baltimore County Savings Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Baltimore County Savings Bank U.S. Bank Average
17.76% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Baltimore County Savings Bank had $9,069,000 in non-current loans and $2,783,000 in owned real estate. To cover these potential losses it had $63,255,000 in equity and $3,479,000 in loans loss reserves. That gives it a Texas Ratio of 17.76%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Baltimore County Savings Bank U.S. Bank Average
4.07% 8.58

Baltimore County Savings Bank has a Return on Equity of 4.07% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Baltimore County Savings Bank U.S. Bank Average
10.47% 12.11

Baltimore County Savings Bank has a Capitalization of 10.47% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Baltimore County Savings Bank Balance Sheet Analysis

As of December 31, 2013, Baltimore County Savings Bank had assets of $604,045,000, loans of $320,639,000, and deposits of $534,821,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Baltimore County Savings Bank

Branches and Savings

Is Baltimore County Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32341.

Why does Baltimore County Savings Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Baltimore County Savings Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Baltimore County Savings Bank a commercial bank?

Yes

Where are Baltimore County Savings Bank locations?

See branch locations nearby.

Is Baltimore County Savings Bank open on Saturdays?

Is Baltimore County Savings Bank open on Sundays?

What time does Baltimore County Savings Bank open?

What time does Baltimore County Savings Bank close?

Are Baltimore County Savings Bank ATMs Open 24/7?

Do Baltimore County Savings Bank ATMs accept cash deposits?

Can Baltimore County Savings Bank customers use other ATMs?

Do Baltimore County Savings Bank branches have notaries?

Will Baltimore County Savings Bank notarize my document?

What address for Baltimore County Savings Bank should I put for incoming ACH transfers?

Will the Baltimore County Savings Bank branch print checks?

Do Baltimore County Savings Bank checks expire?

Does Baltimore County Savings Bank require US citizenship to open account?

Can Baltimore County Savings Bank close my account?

Does Baltimore County Savings Bank Report to credit bureaus?

Does Baltimore County Savings Bank Use Equifax?

What is Baltimore County Savings Bank's ACH Routing Number?

What is Baltimore County Savings Bank's SWIFT code?

Products

Does Baltimore County Savings Bank offer mortgages?

Compare mortgage rates here.

Does Baltimore County Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Baltimore County Savings Bank offer personal loans?

Compare personal loan rates here.

Does Baltimore County Savings Bank offer student loans?

Will Baltimore County Savings Bank cash a check?

Will Baltimore County Savings Bank redeem a savings bond?

Does Baltimore County Savings Bank cash savings bonds?

Will Baltimore County Savings Bank cash money orders?

Can Baltimore County Savings Bank issue a money order?

Does Baltimore County Savings Bank do currency exchange?

Background on The Bank

Who owns Baltimore County Savings Bank?

How long has Baltimore County Savings Bank been around?

Can Baltimore County Savings Bank transfer to other banks?

Does Baltimore County Savings Bank have quick pay?

Does Baltimore County Savings Bank accept rolled coins?

Will Baltimore County Savings Bank accept loose change?

Where is Baltimore County Savings Bank headquarters?

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