The National Iron Bank
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The National Iron Bank Locations
Deposit Rates - July 25, 2021
| SAVINGS RATES | APY | MIN | MAX | |
|---|---|---|---|---|
|
Savings
|
0.02% | $2,500 | $4,999 | Compare |
| CD RATES | APY | MIN | MAX | |
|---|---|---|---|---|
|
6 Mo CD
|
0.10% | $10,000 | $14,999 | Compare |
|
6 Mo CD
|
0.10% | $100,000 | $199,999 | Compare |
|
12 Mo CD
|
0.15% | $10,000 | $14,999 | Compare |
|
12 Mo CD
|
0.15% | $100,000 | $199,999 | Compare |
|
18 Mo CD
|
0.15% | $10,000 | $14,999 | Compare |
|
18 Mo CD
|
0.15% | $100,000 | $199,999 | Compare |
|
24 Mo CD
|
0.25% | $10,000 | $14,999 | Compare |
|
24 Mo CD
|
0.25% | $100,000 | $199,999 | Compare |
|
30 Mo CD
|
0.25% | $10,000 | $14,999 | Compare |
|
30 Mo CD
|
0.25% | $100,000 | $199,999 | Compare |
|
36 Mo CD
|
0.50% | $10,000 | $14,999 | Compare |
|
36 Mo CD
|
0.50% | $100,000 | $199,999 | Compare |
|
48 Mo CD
|
0.60% | $10,000 | $14,999 | Compare |
|
48 Mo CD
|
0.60% | $100,000 | $199,999 | Compare |
|
60 Mo CD
|
1.25% | $10,000 | $14,999 | Compare |
|
60 Mo CD
|
1.25% | $100,000 | $199,999 | Compare |
| MM RATES | APY | MIN | MAX | |
|---|---|---|---|---|
|
Money Market
|
0.02% | $10,000 | $14,999 | Compare |
|
Money Market
|
0.50% | $25,000 | $29,999 | Compare |
Loan Rates - July 25, 2021
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
7 Year Adjustable Conforming
|
5.18% | $1,304.12 |
|
15 Year Fixed Conforming
|
4.08% | $1,849.22 |
|
15 Year Fixed Jumbo
|
4.30% | $1,880.70 |
|
20 Year Fixed Conforming
|
4.19% | $1,532.13 |
|
20 Year Fixed Jumbo
|
4.29% | $1,548.09 |
|
30 Year Fixed Conforming
|
4.30% | $1,229.85 |
Compare with 2.853% APR and 2.750% 30-Year Fixed RATE from New American Funding
|
||
Compare with 2.972% APR and 2.875% 30-Year Fixed RATE from Zillow Home Loans, LLC
|
||
Compare with 2.802% APR and 2.750% 30-Year Fixed RATE from Wyndham Capital Mortgage
|
||
|
30 Year Fixed Jumbo
|
5.28% | $1,380.51 |
|
Compare with 2.853% APR and 2.750% 30-Year Fixed RATE from New American Funding
|
||
|
Compare with 2.972% APR and 2.875% 30-Year Fixed RATE from Zillow Home Loans, LLC
|
||
|
Compare with 2.802% APR and 2.750% 30-Year Fixed RATE from Wyndham Capital Mortgage
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
7 Year Adjustable Conforming
|
5.18% | $1,304.12 |
|
15 Year Fixed Conforming
|
4.08% | $1,849.22 |
|
15 Year Fixed Jumbo
|
4.30% | $1,880.70 |
|
20 Year Fixed Conforming
|
4.19% | $1,532.13 |
|
20 Year Fixed Jumbo
|
4.29% | $1,548.09 |
|
30 Year Fixed Conforming
|
4.30% | $1,229.85 |
|
Compare with 2.853% APR and 2.750% 30-Year Fixed RATE from New American Funding
|
||
|
Compare with 2.972% APR and 2.875% 30-Year Fixed RATE from Zillow Home Loans, LLC
|
||
|
Compare with 2.802% APR and 2.750% 30-Year Fixed RATE from Wyndham Capital Mortgage
|
||
|
30 Year Fixed Jumbo
|
5.28% | $1,380.51 |
|
Compare with 2.853% APR and 2.750% 30-Year Fixed RATE from New American Funding
|
||
|
Compare with 2.972% APR and 2.875% 30-Year Fixed RATE from Zillow Home Loans, LLC
|
||
|
Compare with 2.802% APR and 2.750% 30-Year Fixed RATE from Wyndham Capital Mortgage
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
|---|---|---|---|---|
|
Line of Credit
|
5.25% | Varies | ||
Compare with 3.75 RATE Line of Credit from Bethpage Federal Credit Union
|
||||
Compare with 4.84 RATE Line of Credit from BMO Harris Bank
|
||||
Compare with 2.24 RATE Line of Credit from Third Federal Savings and Loan
|
||||
|
10 Year Loan
|
4.20% | $509.32 | ||
|
15 Year Loan
|
4.80% | $388.92 | ||
Overview 2021
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 2496 |
| Date Established | 1847 |
| Assets | $ 222.12 million |
| Loans | $ 166.47 million |
| Deposits | $ 198.43 million |
| Capital | $ 16.91 million |
Summary Balance Sheet
| ASSETS | |
| Cash & Balances due from depository institutions | $ 38.37 million |
| Interest-bearing balances | $ 35.10 million |
| Total securities | $ 14.58 million |
| Federal funds sold and reverse repurchase | $ 0.15 million |
| Net loans and leases | $ 166.47 million |
| Loan loss allowance | $ 0.61 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 | $ 1.12 million |
| Total Assets | $ 205.21 million |
| LIABILITIES | |
| Total deposits | $ 198.43 million |
| Interest-bearing deposits | $ 161.48 million |
| Deposits held in domestic offices | $ 198.43 million |
| % insured (estimated) | 71.25% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 6.62 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.16 millionn |
| Total Liabilities | $ 205.21 million |
| Shareholders’ Equity | $ 16.91 million |
Summary Income Statement
| INCOME AND EXPENSES | |
| Total Interest Income | $ 1.69 million |
| Total Interest Expense | $ 0.12 million |
| Net interest income | $ 1.57 million |
| Provision for loan and lease losses | $ 0.02 million |
| Total non interest income | $ 0.11 million |
| Total non interest expense | $ 1.18 million |
| Pre-tax Net Operating Income | $ 0.47 million |
The National Iron Bank is an FDIC insured institution headquartered at
195 Main Street, Salisbury, CT 6068.
It was founded in
1847 and has approximately $0 billion in
assets. Customers can open an account at one of its 4 branches.
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