Adams County Building and Loan Company

201 West Main Street
West Union, OH 45693

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32304
Date Established 1907
Assets $0.02 billion
Loans $0.01 billion
Deposits $0.02 billion
Capital $0.00 billion

Adams County Building and Loan Company is an FDIC insured institution located in West Union, OH. It was founded in 1907 and has approximately $0.02 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Adams County Building and Loan Company'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 Adams County Building and Loan Company’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks, Adams County Building and Loan Company’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 68.80
Multifamily
Mortgages
1.03
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 4.83
Construction and Development Loans 0.00
Commercial Real Estate 4.83
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Adams County Building And Loan Company, but see these great savings and CD rates:

1.20% APY Online Savings Account from Ally Bank
1.50% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Adams County Building and Loan Company

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
3.759% 3.750% 0.13 $286 $1,158 Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Adams County Building and Loan Company
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Adams County Building and Loan Company 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


Adams County Building And Loan Company Locations

Financial Details

Adams County Building and Loan Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Adams County Building and Loan Company. 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
Adams County Building and Loan Company U.S. Bank Average
24.98% 8.45

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 June 30, 2017, Adams County Building and Loan Company had $938,000 in non-current loans and $198,000 in owned real estate. To cover these potential losses it had $4,348,000 in equity and $200,000 in loans loss reserves. That gives it a Texas Ratio of 24.98%. 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
Adams County Building and Loan Company U.S. Bank Average
3.43% 8.58

Adams County Building and Loan Company has a Return on Equity of 3.43% versus the BestCashCow average of 8.58. 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
Adams County Building and Loan Company U.S. Bank Average
18.92% 12.11

Adams County Building and Loan Company has a Capitalization of 18.92% versus the BestCashCow average of 12.11. 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.

Adams County Building and Loan Company Balance Sheet Analysis

As of June 30, 2017, Adams County Building and Loan Company had assets of $22,980,000, loans of $14,222,000, and deposits of $18,576,000. 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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