West Milton State Bank

940 High Street
West Milton, PA 17886

General Bank Information

FDIC Insured Yes

FDIC Certificate # 8421

Date Established 1920

West Milton State Bank is an FDIC insured institution located in West Milton, PA. It was founded in 1920 and has approximately $0.36 billion in assets. Customers can open an account via one of its 5 branches.

West Milton State Bank Financial Size

Assets $0.36 billion
Loans $0.16 billion
Deposits $0.30 billion
Capital $0.04 billion

For a more detailed analysis of West Milton State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 38.07
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 10.27
Construction and Development Loans 5.71
Commercial Real Estate 24.60
Commercial and Industrial Loans 8.41
Farm Loans 0.72

The top three loan types in West Milton State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, West Milton State Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Your Current Location:
Virginia, VA 20146

CD Rates APY Min Max More
3 Mo CD 10K 0.10% $500 -
6 Mo CD 10K 0.25% $500 -
12 Mo CD 10K 0.35% $500 -
24 Mo CD 10K 0.50% $500 -
Special: 30 Mo CD 1.25% $5,000 -
36 Mo CD 10K 1.00% $500 -
48 Mo CD 10K 1.46% $500 -
60 Mo CD 10K 2.06% $500 -
Savings Rates APY Min Max More
Savings 2.5K 0.15% $1 $24,999
Fixed IRA Rates APY Min Max More
Fixed IRA 0K 0.35% $100 $99,999
Special: 30 Mo FIRA 1.25% $5,000 -
MM Rates APY Min Max More
MM 10K 0.20% $2,500 $24,999
MM 25K 0.25% $25,000 $49,999
PREMM Rates APY Min Max More
Premium MM 10K 0.25% $2,500 $24,999
Premium MM 25K 0.35% $25,000 $99,999
Int Checking Rates APY Min Max More
Int Ckg 0K 0.10% $1,000 $24,999

Your Current Location:
Virginia, VA 20146

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West Milton State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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West Milton State Bank Locations

West Milton State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of West Milton State Bank. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

West Milton State Bank U.S. Bank Average
Texas Ratio 0.42% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2015, West Milton State Bank had $169,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $38,221,000 in equity and $2,004,000 in loans loss reserves. That gives it a Texas Ratio of 0.42%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity 12.14% 9.12%

West Milton State Bank has a Return on Equity of 12.14% versus the BestCashCow average of 9.12%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization 10.76% 11.18%

West Milton State Bank has a Capitalization of 10.76% versus the BestCashCow average of 11.18%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

West Milton State Bank Balance Sheet Analysis

As of March 31, 2015, West Milton State Bank had assets of $355,353,000, loans of $156,930,000, and deposits of $297,891,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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