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, Commercial Real Estate, and Multifamily Mortgages.

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 69.28
Multifamily
Mortgages
1.04
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 2.27
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit 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:

2.00% APY 12 Month CD from Synchrony 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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,787 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 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
27.27% 8.32%

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 September 30, 2017, Adams County Building and Loan Company had $1,043,000 in non-current loans and $198,000 in owned real estate. To cover these potential losses it had $4,355,000 in equity and $195,000 in loans loss reserves. That gives it a Texas Ratio of 27.27%.

Return on Equity
Adams County Building and Loan Company U.S. Bank Average
2.51% 8.84%

Adams County Building and Loan Company has a Return on Equity of 2.51% versus the BestCashCow average of 8.84%. 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
19.28% 12.21%

Adams County Building and Loan Company has a Capitalization of 19.28% versus the BestCashCow average of 12.21. 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 September 30, 2017, Adams County Building and Loan Company had assets of $22,589,000, loans of $13,991,000, and deposits of $18,165,000. 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.

Frequently Asked Questions About Adams County Building and Loan Company

Branches and Savings

Is Adams County Building and Loan Company FDIC insured?

Yes. It is covered under FDIC Certificate #32304.

Why does Adams County Building and Loan Company pay such low interest on savings accounts?

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

Why are Adams County Building and Loan Company CD rates not competitive?

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

Is Adams County Building and Loan Company a commercial bank?

Yes

Where are Adams County Building and Loan Company locations?

See branch locations nearby.

Is Adams County Building and Loan Company open on Saturdays?

Is Adams County Building and Loan Company open on Sundays?

What time does Adams County Building and Loan Company open?

What time does Adams County Building and Loan Company close?

Are Adams County Building and Loan Company ATMs Open 24/7?

Do Adams County Building and Loan Company ATMs accept cash deposits?

Can Adams County Building and Loan Company customers use other ATMs?

Do Adams County Building and Loan Company branches have notaries?

Will Adams County Building and Loan Company notarize my document?

What address for Adams County Building and Loan Company should I put for incoming ACH transfers?

Will the Adams County Building and Loan Company branch print checks?

Do Adams County Building and Loan Company checks expire?

Does Adams County Building and Loan Company require US citizenship to open account?

Can Adams County Building and Loan Company close my account?

Does Adams County Building and Loan Company Report to credit bureaus?

Does Adams County Building and Loan Company Use Equifax?

What is Adams County Building and Loan Company's ACH Routing Number?

What is Adams County Building and Loan Company's SWIFT code?

Products

Does Adams County Building and Loan Company offer mortgages?

Compare mortgage rates here.

Does Adams County Building and Loan Company offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Adams County Building and Loan Company offer personal loans?

Compare personal loan rates here.

Does Adams County Building and Loan Company offer student loans?

Will Adams County Building and Loan Company cash a check?

Will Adams County Building and Loan Company redeem a savings bond?

Does Adams County Building and Loan Company cash savings bonds?

Will Adams County Building and Loan Company cash money orders?

Can Adams County Building and Loan Company issue a money order?

Does Adams County Building and Loan Company do currency exchange?

Background on The Bank

Who owns Adams County Building and Loan Company?

How long has Adams County Building and Loan Company been around?

Can Adams County Building and Loan Company transfer to other banks?

Does Adams County Building and Loan Company have quick pay?

Does Adams County Building and Loan Company accept rolled coins?

Will Adams County Building and Loan Company accept loose change?

Where is Adams County Building and Loan Company headquarters?

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