Kopernik Federal Bank is based in Baltimore, Maryland.  The bank offers both personal and commercial banking services.  Kopernik Federal Bank was established on April 4, 1924.  The bank has been FDIC insured since August 13, 1985.  Kopernik Federal Bank is chartered as a Savings Association.  Therefore the primary regulator is the Office of Thrift Supervision (OTS).

As of December 31, 2008, Kopernik Federal Bank had total assets of $30,542,000 and total deposits of $26,519,000.  The bank ended the year with 7 full-time equivalent employees.  For the full year, the bank had a net income of $79,000.

Kopernik Federal Bank most recent performance ratios.
As of December 31, 2008:

Yield on earning assets 5.76% 
Cost of funding earning assets 3.16% 
Net interest margin 2.61%
Noncurrent loans to loans 0
Equity capital to assets 13.02% 
Core capital (leverage) ratio 13.02% 
Tier 1 risk-based capital ratio 28.87% 
Total risk-based capital ratio 29.60%

Kopernik Federal Bank products and services:

Bank products offered include; investor checking account, checking plus, easy checking, business checking, passbook savings, Christmas Club accounts, certificates of deposit, new and used car loans, home equity loans, mortgage loans and savings account or a certificate account passbook loans.

Kopernik Federal Bank branch bank locations:

2101 Eastern Avenue
Baltimore, MD 21231
Ph: 410-276-4905
Fax: 410-563-8766

Kopernik Federal Bank web address: www.kopernikbank.com

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