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 0000
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 0000 and has approximately $0.02 billion in assets. Customers can open an account via 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 67.36
Multifamily
Mortgages
1.13
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 5.47
Construction and Development Loans 0.00
Commercial Real Estate 5.47
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

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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. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Adams County Building and Loan Company U.S. Bank Average
20.12% 9.11%

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, 2016, Adams County Building and Loan Company had $786,000 in non-current loans and $152,000 in owned real estate. To cover these potential losses it had $4,462,000 in equity and $200,000 in loans loss reserves. That gives it a Texas Ratio of 20.12%. 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
4.23% 9.45%

Adams County Building and Loan Company has a Return on Equity of 4.23% versus the BestCashCow average of 9.45%. 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
18.33% 11.28%

Adams County Building and Loan Company has a Capitalization of 18.33% versus the BestCashCow average of 11.28%. 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, 2016, Adams County Building and Loan Company had assets of $24,342,000, loans of $13,347,000, and deposits of $19,821,000. 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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