Kosciuszko Federal Savings Bank

Headquarters

1635 Eastern Avenue
Baltimore, MD 21231
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
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

Kosciuszko Federal Savings Bank is an FDIC insured institution located in Baltimore, MD. It was founded in 1894 and has approximately $0.01 billion in assets.

FDIC Insured Yes
FDIC Certificate # 32407
Date Established 1894
Assets $ 12.00 million
Loans $ 8.20 million
Deposits $ 9.48 million
Capital $ 2.49 million
 

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

Deposit Rates - October 28, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

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

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




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Note to Kosciuszko Federal Savings Bank
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Branches

Kosciuszko 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:
Ashburn,Virginia


Kosciuszko Federal Savings Bank Locations


Financial Details

Kosciuszko Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Kosciuszko 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
Kosciuszko Federal Savings Bank U.S. Bank Average
13.61% 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, Kosciuszko Federal Savings Bank had $165,000 in non-current loans and $186,000 in owned real estate. To cover these potential losses it had $2,494,000 in equity and $85,000 in loans loss reserves. That gives it a Texas Ratio of 13.61%.

Return on Equity
Kosciuszko Federal Savings Bank U.S. Bank Average
-4.94% 7.80%

Kosciuszko Federal Savings Bank has a Return on Equity of -4.94% 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
Kosciuszko Federal Savings Bank U.S. Bank Average
20.78% 12.68%

Kosciuszko Federal Savings Bank has a Capitalization of 20.78% 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.

Kosciuszko Federal Savings Bank Balance Sheet Analysis

As of March 31, 2015, Kosciuszko Federal Savings Bank had assets of $11,762,000, loans of $8,202,000, and deposits of $9,484,000. 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 $ 8.20 million
Loan loss allowance $ 0.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.19 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 9.48 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 $ 12.00 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 Kosciuszko Federal Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Maryland, Kosciuszko Federal Savings Bank has a significantly higher percent of 1-4 Family Residential Loans, 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 88.88
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 11.89
Construction and Development Loans 0.00
Commercial Real Estate 11.89
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Kosciuszko Federal Savings Bank

Branches and Savings

Is Kosciuszko Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #32407.

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

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

Is Kosciuszko Federal Savings Bank a commercial bank?

Yes

Where are Kosciuszko Federal Savings Bank locations?

See branch locations nearby.

Is Kosciuszko Federal Savings Bank open on Saturdays?

Is Kosciuszko Federal Savings Bank open on Sundays?

What time does Kosciuszko Federal Savings Bank open?

What time does Kosciuszko Federal Savings Bank close?

Are Kosciuszko Federal Savings Bank ATMs Open 24/7?

Do Kosciuszko Federal Savings Bank ATMs accept cash deposits?

Can Kosciuszko Federal Savings Bank customers use other ATMs?

Do Kosciuszko Federal Savings Bank branches have notaries?

Will Kosciuszko Federal Savings Bank notarize my document?

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

Will the Kosciuszko Federal Savings Bank branch print checks?

Do Kosciuszko Federal Savings Bank checks expire?

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

Can Kosciuszko Federal Savings Bank close my account?

Does Kosciuszko Federal Savings Bank Report to credit bureaus?

Does Kosciuszko Federal Savings Bank Use Equifax?

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

What is Kosciuszko Federal Savings Bank's SWIFT code?

Products

Does Kosciuszko Federal Savings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Kosciuszko Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Kosciuszko Federal Savings Bank offer student loans?

Will Kosciuszko Federal Savings Bank cash a check?

Will Kosciuszko Federal Savings Bank redeem a savings bond?

Does Kosciuszko Federal Savings Bank cash savings bonds?

Will Kosciuszko Federal Savings Bank cash money orders?

Can Kosciuszko Federal Savings Bank issue a money order?

Does Kosciuszko Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Kosciuszko Federal Savings Bank?

How long has Kosciuszko Federal Savings Bank been around?

Can Kosciuszko Federal Savings Bank transfer to other banks?

Does Kosciuszko Federal Savings Bank have quick pay?

Does Kosciuszko Federal Savings Bank accept rolled coins?

Will Kosciuszko Federal Savings Bank accept loose change?

Where is Kosciuszko Federal Savings Bank headquarters?

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