1001 Main Street
Evanston, WY 82930


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16522
Date Established 1934
Assets $0.77 billion
Loans $0.23 billion
Deposits $0.54 billion
Capital $0.10 billion

1ST BANK is an FDIC insured institution located in Evanston, WY. It was founded in 1934 and has approximately $0.77 billion in assets.

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

Deposit Rates - September 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for 1st Bank, but see these great savings and CD rates:

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Loan Rates - September 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1ST 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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.648% 3.625% 0.25 $712 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to 1ST BANK
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Financial Details

1ST BANK Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of 1ST 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 BANK U.S. Bank Average
13.95% 6.94%

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 March 31, 2019, 1ST BANK had $10,228,000 in non-current loans and $4,576,000 in owned real estate. To cover these potential losses it had $97,457,000 in equity and $8,698,000 in loans loss reserves. That gives it a Texas Ratio of 13.95%.

Return on Equity
1ST BANK U.S. Bank Average
7.75% 9.47%

1ST BANK has a Return on Equity of 7.75% versus the BestCashCow average of 9.47%. 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.

1ST BANK U.S. Bank Average
12.69% 12.49%

1ST BANK has a Capitalization of 12.69% versus the BestCashCow average of 12.49. 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 BANK Balance Sheet Analysis

As of March 31, 2012, 1ST BANK had assets of $768,016,000, loans of $225,920,000, and deposits of $538,864,000. 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

March 31, 2019
Cash & Balances due from depository institutions $0.00 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 $0.23 billion
Loan loss allowance $0.01 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 $0.00 billion
Total deposits $0.54 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.77 billion

Summary Income Statement

March 31, 2019
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

Bank Loan Profile?

The top three loan types in 1ST BANK’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, 1ST 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.

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

Frequently Asked Questions About 1st Bank

Branches and Savings

Is 1st Bank FDIC insured?

Yes. It is covered under FDIC Certificate #16522.

Why does 1st 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 Bank CD rates not competitive?

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Is 1st Bank a commercial bank?


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Does 1st Bank offer mortgages?

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

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Does 1st Bank offer personal loans?

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Background on The Bank

Who owns 1st Bank?

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