1st Advantage Bank

240 Salt Lick Road
Saint Peters, MO 63376

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57899
Date Established 2005
Assets $0.10 billion
Loans $0.09 billion
Deposits $0.08 billion
Capital $0.01 billion

1st Advantage Bank is an FDIC insured institution located in Saint Peters, MO. It was founded in 2005 and has approximately $0.1 billion in assets.

For a more detailed analysis of 1st Advantage Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

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

Compared to other banks in Missouri, 1st Advantage Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.98
Multifamily
Mortgages
2.14
Credit Card Loans 0.00
Consumer Auto Loans 0.09
Small Business Loans 26.61
Construction and Development Loans 5.76
Commercial Real Estate 62.50
Commercial and Industrial Loans 13.40
Farm Loans 0.00

Deposit Rates - December 14, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $1,000 $24,999 Learn MoreShow Less
Money Market
0.20% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
0.30% $500 - Learn MoreShow Less
12 Mo CD
1.00% $500 - Learn MoreShow Less
Special: 14 Mo CD
2.75% $10,000 - Learn MoreShow Less
18 Mo CD
1.05% $500 - Learn MoreShow Less
24 Mo CD
1.15% $500 - Learn MoreShow Less
Special: 35 Mo CD
3.05% $10,000 - Learn MoreShow Less
36 Mo CD
1.25% $500 - Learn MoreShow Less
48 Mo CD
1.30% $500 - Learn MoreShow Less
60 Mo CD
1.75% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.00% $500 - Learn MoreShow Less
Special: 14 Mo FIRA
2.75% $10,000 - Learn MoreShow Less
Special: 35 Mo FIRA
3.05% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 - Learn MoreShow Less

Loan Rates - December 14, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st Advantage Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
HSBC Bank USA N.A.
NMLS ID: 399799
4.796% 4.750% 0.00 $1,451 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More

Note to 1st Advantage Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

1st Advantage Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


1st Advantage Bank Locations

Financial Details

1st Advantage Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1st Advantage Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
1st Advantage Bank U.S. Bank Average
28.9% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, 1st Advantage Bank had $27,000 in non-current loans and $3,220,000 in owned real estate. To cover these potential losses it had $10,446,000 in equity and $789,000 in loans loss reserves. That gives it a Texas Ratio of 28.9%.

Return on Equity
1st Advantage Bank U.S. Bank Average
4.13% 9.77%

1st Advantage Bank has a Return on Equity of 4.13% versus the BestCashCow average of 9.77%. 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
1st Advantage Bank U.S. Bank Average
10.38% 12.31%

1st Advantage Bank has a Capitalization of 10.38% versus the BestCashCow average of 12.31. 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.

1st Advantage Bank Balance Sheet Analysis

As of June 30, 2018, 1st Advantage Bank had assets of $100,617,000, loans of $85,815,000, and deposits of $79,002,000. 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.

Summary Balance Sheet

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.09 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.09 billion
LIABILITIES
Total deposits $0.08 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 82.74%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About 1st Advantage Bank

Branches and Savings

Is 1st Advantage Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57899.

Why does 1st Advantage Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are 1st Advantage Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is 1st Advantage Bank a commercial bank?

Yes

Where are 1st Advantage Bank locations?

See branch locations nearby.

Is 1st Advantage Bank open on Saturdays?

Is 1st Advantage Bank open on Sundays?

What time does 1st Advantage Bank open?

What time does 1st Advantage Bank close?

Are 1st Advantage Bank ATMs Open 24/7?

Do 1st Advantage Bank ATMs accept cash deposits?

Can 1st Advantage Bank customers use other ATMs?

Do 1st Advantage Bank branches have notaries?

Will 1st Advantage Bank notarize my document?

What address for 1st Advantage Bank should I put for incoming ACH transfers?

Will the 1st Advantage Bank branch print checks?

Do 1st Advantage Bank checks expire?

Does 1st Advantage Bank require US citizenship to open account?

Can 1st Advantage Bank close my account?

Does 1st Advantage Bank Report to credit bureaus?

Does 1st Advantage Bank Use Equifax?

What is 1st Advantage Bank's ACH Routing Number?

What is 1st Advantage Bank's SWIFT code?

Products

Does 1st Advantage Bank offer mortgages?

Compare mortgage rates here.

Does 1st Advantage Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does 1st Advantage Bank offer personal loans?

Compare personal loan rates here.

Does 1st Advantage Bank offer student loans?

Will 1st Advantage Bank cash a check?

Will 1st Advantage Bank redeem a savings bond?

Does 1st Advantage Bank cash savings bonds?

Will 1st Advantage Bank cash money orders?

Can 1st Advantage Bank issue a money order?

Does 1st Advantage Bank do currency exchange?

Background on The Bank

Who owns 1st Advantage Bank?

How long has 1st Advantage Bank been around?

Can 1st Advantage Bank transfer to other banks?

Does 1st Advantage Bank have quick pay?

Does 1st Advantage Bank accept rolled coins?

Will 1st Advantage Bank accept loose change?

Where is 1st Advantage Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of 1st Advantage Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.