Hopkins Federal Savings Bank

Headquarters

134 S Eaton Street
Baltimore, MD 21224
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Hopkins Federal Savings Bank is an FDIC insured institution located in Baltimore, MD. It was founded in 1921 and has approximately $0.22 billion in assets.

FDIC Insured Yes
FDIC Certificate # 32372
Date Established 1921
Assets $ 223.98 million
Loans $ 53.35 million
Deposits $ 187.86 million
Capital $ 34.61 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Hopkins Federal Savings Bank

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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4.114% 3.990% 1.00 $3,750 $1,193 Learn More
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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to Hopkins Federal Savings Bank
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Branches

Hopkins Federal 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:
Fairfield,Connecticut


Hopkins Federal Savings Bank Locations


Financial Details

Hopkins Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hopkins Federal 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
Hopkins Federal Savings Bank U.S. Bank Average
12.32% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Hopkins Federal Savings Bank had $4,450,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $34,612,000 in equity and $1,501,000 in loans loss reserves. That gives it a Texas Ratio of 12.32%.

Return on Equity
Hopkins Federal Savings Bank U.S. Bank Average
2.34% 7.80%

Hopkins Federal Savings Bank has a Return on Equity of 2.34% versus the BestCashCow average of 7.80%. 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
Hopkins Federal Savings Bank U.S. Bank Average
15.45% 12.68%

Hopkins Federal Savings Bank has a Capitalization of 15.45% versus the BestCashCow average of 12.68. 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.

Hopkins Federal Savings Bank Balance Sheet Analysis

As of June 30, 2016, Hopkins Federal Savings Bank had assets of $223,510,000, loans of $53,346,000, and deposits of $187,861,000. 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.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 53.35 million
Loan loss allowance $ 1.50 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 187.86 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 223.98 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Maryland, Hopkins Federal Savings Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 59.85
Multifamily
Mortgages
1.39
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 16.11
Construction and Development Loans 11.88
Commercial Real Estate 25.15
Commercial and Industrial Loans 3.81
Farm Loans 0.00

Frequently Asked Questions About Hopkins Federal Savings Bank

Branches and Savings

Is Hopkins Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32372.

Why does Hopkins Federal 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 Hopkins Federal Savings Bank CD rates not competitive?

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

Is Hopkins Federal Savings Bank a commercial bank?

Yes

Where are Hopkins Federal Savings Bank locations?

See branch locations nearby.

Is Hopkins Federal Savings Bank open on Saturdays?

Is Hopkins Federal Savings Bank open on Sundays?

What time does Hopkins Federal Savings Bank open?

What time does Hopkins Federal Savings Bank close?

Are Hopkins Federal Savings Bank ATMs Open 24/7?

Do Hopkins Federal Savings Bank ATMs accept cash deposits?

Can Hopkins Federal Savings Bank customers use other ATMs?

Do Hopkins Federal Savings Bank branches have notaries?

Will Hopkins Federal Savings Bank notarize my document?

What address for Hopkins Federal Savings Bank should I put for incoming ACH transfers?

Will the Hopkins Federal Savings Bank branch print checks?

Do Hopkins Federal Savings Bank checks expire?

Does Hopkins Federal Savings Bank require US citizenship to open account?

Can Hopkins Federal Savings Bank close my account?

Does Hopkins Federal Savings Bank Report to credit bureaus?

Does Hopkins Federal Savings Bank Use Equifax?

What is Hopkins Federal Savings Bank's ACH Routing Number?

What is Hopkins Federal Savings Bank's SWIFT code?

Products

Does Hopkins Federal Savings Bank offer mortgages?

Compare mortgage rates here.

Does Hopkins Federal Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hopkins Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Hopkins Federal Savings Bank offer student loans?

Will Hopkins Federal Savings Bank cash a check?

Will Hopkins Federal Savings Bank redeem a savings bond?

Does Hopkins Federal Savings Bank cash savings bonds?

Will Hopkins Federal Savings Bank cash money orders?

Can Hopkins Federal Savings Bank issue a money order?

Does Hopkins Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Hopkins Federal Savings Bank?

How long has Hopkins Federal Savings Bank been around?

Can Hopkins Federal Savings Bank transfer to other banks?

Does Hopkins Federal Savings Bank have quick pay?

Does Hopkins Federal Savings Bank accept rolled coins?

Will Hopkins Federal Savings Bank accept loose change?

Where is Hopkins Federal Savings Bank headquarters?

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