Magyar Bank was founded in 1922 by Hungarian immigrants.  The name “Magyar” is the Hungarian word to describe an individual from Hungary.  Magyar Bank has been FDIC insured since September 7, 1954.  The bank is chartered as a FDIC Savings Bank.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  At the end of 2008, the bank had total assets of $542,753,000 and total deposits of $387,846,000.  For all of 2008, the bank had incurred a net loss of -$6,509,000.

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

Return on equity (ROE) -16.55%
Return on assets (ROA) -1.27%
Yield on earning assets 6.05% 
Cost of funding earning assets 2.95%
Net interest margin 3.10%
Noncurrent loans to loans 5.34%
Equity capital to assets 7.49% 
Core capital (leverage) ratio 7.54% 
Tier 1 risk-based capital ratio 9.89% 
Total risk-based capital ratio 11.15%

Magyar Bank products and services:

Magyar Bank offer a selection of deposit accounts, including demand accounts, free checking, interest checking, premium checking, NJ consumer checking, NOW accounts, money market accounts, savings accounts, retirement accounts and certificates of deposit,  business checking, non-profit checking, sole-proprietor checking, IOLTA (Interest on Lawyers Trust Accounts), business step money market, cash management solutions and business debit cards.  The bank originates residential mortgage loans, home equity loans, home equity lines of credit, construction loans, commercial real estate loans, commercial business loans, business line of credit.  Additional services include malpractice insurance financing, credit card cash advances, merchant card services, sweep account, online banking, telephone banking, Visa gift cards and financial services for individuals and families.

Magyar Bank branch bank locations:

400 Somerset Street
New Brunswick, NJ 08901
732.342.7600

93 French Street
New Brunswick, NJ 08901
732.246.1337

582 Milltown Road
North Brunswick, NJ 08902
732.729.7800

3050 State Route 27
Kendall Park, NJ 08824
732.297.4600

1000 Route 202 South
Branchburg, NJ 08876
908.203.0002

Magyar Bank web address: www.magbank.com

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