Territorial Savings Bank Security Rating

Territorial Bancorp Inc. is the holding company for Territorial Savings Bank. The Banks business consists primarily of accepting deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in one- to four-family residential mortgage loans and investment securities. Territorial also originates home equity loans and lines of credit, construction, commercial and other nonresidential real estate loans, consumer loans, multi-family mortgage loans and other loans. The Bank offers a variety of deposit accounts, including passbook and statement savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts and Super NOW accounts. Through its subsidiary, Territorial Financial Services, Inc., it engages in insurance agency activities. Territorial also offers various non-deposit investments to our customers, including annuities and mutual funds, through a third-party broker-dealer.