Perpetual Federal Savings Bank

120 North Main Street
Urbana, OH 43078

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 28934
Date Established 1878
Assets $0.39 billion
Loans $0.35 billion
Deposits $0.30 billion
Capital $0.07 billion

Perpetual Federal Savings Bank is an FDIC insured institution located in Urbana, OH. It was founded in 1878 and has approximately $0.39 billion in assets.

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

Deposit Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
6 Mo CD
0.75% $1,000 - Learn MoreShow Less
12 Mo CD
1.51% $1,000 - Learn MoreShow Less
18 Mo CD
2.10% $1,000 - Learn MoreShow Less
24 Mo CD
2.25% $1,000 - Learn MoreShow Less
30 Mo CD
2.40% $1,000 - Learn MoreShow Less
36 Mo CD
2.50% $1,000 - Learn MoreShow Less
48 Mo CD
2.60% $1,000 - Learn MoreShow Less
60 Mo CD
2.75% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.51% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.77% $10 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $100 - Learn MoreShow Less

Loan Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Perpetual 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


Perpetual Federal Savings Bank Locations


Financial Details

Perpetual Federal Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Perpetual 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
Perpetual Federal Savings Bank U.S. Bank Average
1.35% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, Perpetual Federal Savings Bank had $1,074,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $74,617,000 in equity and $5,083,000 in loans loss reserves. That gives it a Texas Ratio of 1.35%.

Return on Equity
Perpetual Federal Savings Bank U.S. Bank Average
8.76% 9.47%

Perpetual Federal Savings Bank has a Return on Equity of 8.76% versus the BestCashCow average of 9.47%. 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
Perpetual Federal Savings Bank U.S. Bank Average
19.03% 12.49%

Perpetual Federal Savings Bank has a Capitalization of 19.03% versus the BestCashCow average of 12.49. 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.

Perpetual Federal Savings Bank Balance Sheet Analysis

As of March 31, 2019, Perpetual Federal Savings Bank had assets of $392,015,000, loans of $347,106,000, and deposits of $302,410,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.04 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.35 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.32 billion
LIABILITIES
Total deposits $0.30 billion
      Interest-bearing deposits $0.30 billion
      Deposits held in domestic offices $0.30 billion
      % insured (estimated) 90.56%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.32 billion
      Shareholders’ Equity $0.07 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

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

Compared to other banks in Ohio, Perpetual Federal Savings Bank has a significantly higher percent of Multifamily Mortgages 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 59.86
Multifamily
Mortgages
22.34
Credit Card Loans 0.00
Consumer Auto Loans 0.03
Small Business Loans 0.00
Construction and Development Loans 0.18
Commercial Real Estate 13.88
Commercial and Industrial Loans 2.07
Farm Loans 0.00

Frequently Asked Questions About Perpetual Federal Savings Bank

Branches and Savings

Is Perpetual Federal Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28934.

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

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

Is Perpetual Federal Savings Bank a commercial bank?

Yes

Where are Perpetual Federal Savings Bank locations?

See branch locations nearby.

Is Perpetual Federal Savings Bank open on Saturdays?

Is Perpetual Federal Savings Bank open on Sundays?

What time does Perpetual Federal Savings Bank open?

What time does Perpetual Federal Savings Bank close?

Are Perpetual Federal Savings Bank ATMs Open 24/7?

Do Perpetual Federal Savings Bank ATMs accept cash deposits?

Can Perpetual Federal Savings Bank customers use other ATMs?

Do Perpetual Federal Savings Bank branches have notaries?

Will Perpetual Federal Savings Bank notarize my document?

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

Will the Perpetual Federal Savings Bank branch print checks?

Do Perpetual Federal Savings Bank checks expire?

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

Can Perpetual Federal Savings Bank close my account?

Does Perpetual Federal Savings Bank Report to credit bureaus?

Does Perpetual Federal Savings Bank Use Equifax?

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

What is Perpetual Federal Savings Bank's SWIFT code?

Products

Does Perpetual Federal Savings Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Perpetual Federal Savings Bank offer personal loans?

Compare personal loan rates here.

Does Perpetual Federal Savings Bank offer student loans?

Will Perpetual Federal Savings Bank cash a check?

Will Perpetual Federal Savings Bank redeem a savings bond?

Does Perpetual Federal Savings Bank cash savings bonds?

Will Perpetual Federal Savings Bank cash money orders?

Can Perpetual Federal Savings Bank issue a money order?

Does Perpetual Federal Savings Bank do currency exchange?

Background on The Bank

Who owns Perpetual Federal Savings Bank?

How long has Perpetual Federal Savings Bank been around?

Can Perpetual Federal Savings Bank transfer to other banks?

Does Perpetual Federal Savings Bank have quick pay?

Does Perpetual Federal Savings Bank accept rolled coins?

Will Perpetual Federal Savings Bank accept loose change?

Where is Perpetual Federal Savings Bank headquarters?

Customer Reviews for Perpetual Federal Savings Bank


  • August 30, 2016

    CDs 48 Month Rates

    I have $100,000.00 to invest for 4yrs what rate can i get?

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