Adams County Building and Loan Company

Headquarters

201 West Main Street
West Union, OH 45693
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 32304
Date Established 1907
Assets $ 22.07 million
Loans $ 14.36 million
Deposits $ 17.07 million
Capital $ 4.44 million
 

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.

Deposit Rates - October 27, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 27, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.674% 2.625% 0.63 $1,595 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Adams County Building and Loan Company
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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
17.22% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Adams County Building and Loan Company had $602,000 in non-current loans and $197,000 in owned real estate. To cover these potential losses it had $4,444,000 in equity and $195,000 in loans loss reserves. That gives it a Texas Ratio of 17.22%.

Return on Equity
Adams County Building and Loan Company U.S. Bank Average
2.34% 7.80%

Adams County Building and Loan Company has a Return on Equity of 2.34% versus the BestCashCow average of 7.80%. 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
20.13% 12.68%

Adams County Building and Loan Company has a Capitalization of 20.13% versus the BestCashCow average of 12.68. 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 March 31, 2018, Adams County Building and Loan Company had assets of $21,571,000, loans of $14,364,000, and deposits of $17,070,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 2.62 million
Interest-bearing balances $ 2.12 million
Total securities $ 3.64 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 14.36 million
Loan loss allowance $ 0.20 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.20 million
Goodwill and other intangibles N.A.
All other assets $ 0.56 million
     Total Assets $ 17.13 million
LIABILITIES
Total deposits $ 17.07 million
      Interest-bearing deposits $ 17.07 million
      Deposits held in domestic offices $ 17.07 million
      % insured (estimated) 100.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.06 million
      Total Liabilities $ 17.13 million
      Shareholders’ Equity $ 4.95 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.25 million
Total Interest Expense $ 0.03 million
Net interest income $ 0.22 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.00 million
Total non interest expense $ 0.18 million
Pre-tax Net Operating Income $ 0.05 million

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 70.47
Multifamily
Mortgages
1.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 2.09
Commercial and Industrial Loans 0.00
Farm Loans 0.00

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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