Statement of Condition

5-Star Rated Geddes Federal Savings & Loan Association One of the Nation's Strongest Banks

Geddes Federal Savings has achieved a prestigious 5-star rating from BauerFinancial for 2023. The designation indicates that we closed out the calendar year excelling in areas of capital adequacy, profitability, asset quality, and much more. In fact, we are proud to say that we have earned and maintained Bauer's recommendation (5-Stars or 4-Stars) for 135 consecutive quarters. 

December 31, 2023


Mortgage Loans & Other Liens on Real Estate $531,893,219
All Other Loans 12,826,414
Cash on Hand & in Banks 31,007,943
Investments and Securities 69,644,789
Fixed Assets less Depreciation 620,499
Deferred Charges & Other Assets 5,315,006
TOTAL ASSETS $651,307,870


Savings Accounts   $443,076,730
Loans in Process   2,080,616
Other Liabilities   107,331,130
Regulatory Capital 29,308,854  
Excess Capital 69,510,540 98,819,394

Savings Accounts

Passbook Savings
Statement Savings
Certificates of Deposit
Money Market Account
Premier Money Market

Checking Accounts

New Wave Checking (Basic Banking)
NOW & Super NOW
Business & Commercial

Special Services

First-Time Home Buyer Program
Debit Card
Maturity Plus
Drive-In Teller
24-Hour Depository
Bank by Mail
Direct Deposit
Notary Service
Money Orders
24-Hour On Site ATM
Wire Transfers (Domestic)
24-Hour Automated Banking
24-Hour Online Banking
Mobile Banking/Mobile Check Deposit/E statements

Retirement Savings

Traditional IRA
Roth IRA
IRA Rollovers

Home Loans

Mortgage Loans
Home Equity Loans
Home Equity Line of Credit
Home Improvement Loans
Construction Loans
Land & Lot Financing

Other Loans

Secured Personal Loans
Passbook Loans

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