Vitals
  • Total Assets
    90.6M 30.6 %
  • Total Deposits
    68.3M 17.2 %
  • Total Net Loans
    80.8M 71.5 %
  • Net Income
    835000.0000 96.5 %
  • Book Value
    18.2M 64.6 %
  • Book Value x2
    36.3M 64.6 %
  • Book Value x3
    54.5M 64.6 %
ROAA

.904

ROAE

4.652

Efficiency Ratio

77.132

Net Interest Margin

3.47

Balance Sheet Highlights
Financial Highlights Kopernik Bank All Insured Savings Banks in Maryland
Balance Sheet $(000)
Total Assets 90,623 301,352
Total Net Loans 80,847 213,593
Total Deposits 68,280 241,483
Total Equity 18,173 44,672
Profitability
Net Income 835 2,152
Return on Average Assets .904 .432
Return on Average Equity 4.652 3.058
Net Interest Margin 3.47 3.292
Efficiency Ratio 77.132 86.153
Noninterest Income/Revenue 14.827 18.681
Balance Sheet Ratios
Loan-to-Deposit 118.405 87.022
Securities/Assets .13
Total Equity/Total Assets .201 .148
Tangible Equity/Tangible Assets .199 .146
Capital Adequacy
Tier 1 Common Capital 16,556 43,576
Tier 1 Capital 16,556 43,602
Tier 2 Capital 104 1,769
Total Capital 16,660 45,371
Total Risk Weighted Assets 50,248 186,418
Leverage Ratio 18.79 14.727
Common Equity Tier 1 Capital Ratio 32.95 28.083
Tier 1 Capital Ratio 32.95 28.091
Total Capital Ratio 33.16 29.015

Timeline for Kopernik Bank

Liberty Bank Of Maryland

Acquisition: Kopernik Bank acquired a new subsidiary, Liberty Bank Of Maryland, 7 years

View Profile May 01 2016

Kosciuszko Federal Savings Bank

Acquisition: Kopernik Bank acquired a new subsidiary, Kosciuszko Federal Savings Bank, 8 years

View Profile Nov 05 2015

Hull Federal Savings Bank

Acquisition: Kopernik Bank acquired a new subsidiary, Hull Federal Savings Bank, 11 years

View Profile Dec 01 2012

Kopernik Bank

Kopernik Bank was established 100 years ago and is currently headquartered in Baltimore, MD.

Apr 04 1924
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Liberty Bank Of Maryland Seller 35,653 Acquisition Discontinued 5/1/2016
Kosciuszko Federal Savings Bank Seller 11,762 Acquisition Discontinued 11/5/2015
Hull Federal Savings Bank Seller 24,653 Acquisition Discontinued 12/1/2012
Relationships Role Relationship Start Relationship End
Similar Organizations
Organization City State Total Assets
North Cambridge Co-Operative Bank
 		Cambridge MA 88.8M
The Glen Burnie Mutual Savings Bank
 		Glen Burnie MD 89.8M
Methuen Co-Operative Bank
 		Methuen MA 89.9M
Monroe Savings Bank
 		Williamstown NJ 95.5M
Gsl Savings Bank
 		Guttenberg NJ 89.9M
Allied First Bank,Sb
 		Oswego IL 92.8M
Conneaut Savings Bank
 		Conneaut OH 77.2M
United Roosevelt Savings Bank
 		Carteret NJ 97.2M
Saint Casimir's Savings Bank
 		Baltimore MD 88.4M
Holbrook Co-Operative Bank
 		Holbrook MA 99.5M