NBRS Financial

Headquarters

6 Pearl Street
Rising Sun, MD 21911
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.00% →
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

NBRS Financial is an FDIC insured institution located in Rising Sun, MD. It was founded in 1880 and has approximately $0.16 billion in assets.

FDIC Insured Yes
FDIC Certificate # 4862
Date Established 1880
Assets $ 155.35 million
Loans $ 94.74 million
Deposits $ 151.56 million
Capital $ 1.66 million
 

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

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for NBRS Financial

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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.574% 2.500% 1.00 $2,445 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to NBRS Financial
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Branches

NBRS Financial 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


NBRS Financial Locations


Financial Details

NBRS Financial Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of NBRS Financial. 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
NBRS Financial U.S. Bank Average
118.58% 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, NBRS Financial had $9,974,000 in non-current loans and $2,650,000 in owned real estate. To cover these potential losses it had $1,658,000 in equity and $8,988,000 in loans loss reserves. That gives it a Texas Ratio of 118.58%.

Return on Equity
NBRS Financial U.S. Bank Average
-156.41% 7.80%

NBRS Financial has a Return on Equity of -156.41% 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
NBRS Financial U.S. Bank Average
1.07% 12.68%

NBRS Financial has a Capitalization of 1.07% 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.

NBRS Financial Balance Sheet Analysis

As of September 30, 2014, NBRS Financial had assets of $155,353,000, loans of $94,737,000, and deposits of $151,559,000. 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 $ 94.74 million
Loan loss allowance $ 8.99 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.65 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 151.56 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 $ 155.35 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 NBRS Financial’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Maryland, NBRS Financial has a significantly higher percent of Small Business Loans, Commercial and Industrial 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 40.86
Multifamily
Mortgages
0.13
Credit Card Loans 0.00
Consumer Auto Loans 0.18
Small Business Loans 15.10
Construction and Development Loans 2.88
Commercial Real Estate 34.15
Commercial and Industrial Loans 20.06
Farm Loans 0.09

Frequently Asked Questions About Nbrs Financial

Branches and Savings

Is Nbrs Financial FDIC insured?

Yes. It is covered under FDIC Certificate #4862.

Why does Nbrs Financial pay such low interest on savings accounts?

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

Why are Nbrs Financial CD rates not competitive?

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

Is Nbrs Financial a commercial bank?

Yes

Where are Nbrs Financial locations?

See branch locations nearby.

Is Nbrs Financial open on Saturdays?

Is Nbrs Financial open on Sundays?

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What time does Nbrs Financial close?

Are Nbrs Financial ATMs Open 24/7?

Do Nbrs Financial ATMs accept cash deposits?

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Do Nbrs Financial branches have notaries?

Will Nbrs Financial notarize my document?

What address for Nbrs Financial should I put for incoming ACH transfers?

Will the Nbrs Financial branch print checks?

Do Nbrs Financial checks expire?

Does Nbrs Financial require US citizenship to open account?

Can Nbrs Financial close my account?

Does Nbrs Financial Report to credit bureaus?

Does Nbrs Financial Use Equifax?

What is Nbrs Financial's ACH Routing Number?

What is Nbrs Financial's SWIFT code?

Products

Does Nbrs Financial offer mortgages?

Compare mortgage rates here.

Does Nbrs Financial offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Nbrs Financial offer personal loans?

Compare personal loan rates here.

Does Nbrs Financial offer student loans?

Will Nbrs Financial cash a check?

Will Nbrs Financial redeem a savings bond?

Does Nbrs Financial cash savings bonds?

Will Nbrs Financial cash money orders?

Can Nbrs Financial issue a money order?

Does Nbrs Financial do currency exchange?

Background on The Bank

Who owns Nbrs Financial?

How long has Nbrs Financial been around?

Can Nbrs Financial transfer to other banks?

Does Nbrs Financial have quick pay?

Does Nbrs Financial accept rolled coins?

Will Nbrs Financial accept loose change?

Where is Nbrs Financial headquarters?

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