Alton Bank

520 Broadway St
Alton, MO 65606

Notable Rates APY Vs.Others
Savings 0.25% 2.25% →
1-Year CD 1.16% 2.25% →
2-Year CD 1.41% 2.50% →
5-Year CD 2.22% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Alton Bank is an FDIC insured institution located in Alton, MO. It was founded in 1924 and has approximately $0.07 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 8276
Date Established 1924
Assets $0.07 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.01 billion

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

Deposit Rates - December 12, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1 $9,999 Learn MoreShow Less
Money Market
0.50% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.25% $500 $49,999 Learn MoreShow Less
6 Mo CD
0.75% $500 $49,999 Learn MoreShow Less
12 Mo CD
1.16% $500 $49,999 Learn MoreShow Less
18 Mo CD
1.26% $500 $49,999 Learn MoreShow Less
24 Mo CD
1.41% $500 $49,999 Learn MoreShow Less
30 Mo CD
1.51% $500 $49,999 Learn MoreShow Less
36 Mo CD
1.92% $500 $49,999 Learn MoreShow Less
48 Mo CD
2.02% $500 $49,999 Learn MoreShow Less
60 Mo CD
2.22% $500 $49,999 Learn MoreShow Less

Variable IRA Rates APY MIN MAX
1.00% $500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 $24,999 Learn MoreShow Less

Loan Rates - December 12, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Alton Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
3.625% 3.625% -0.25 ($498) $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.633% 3.625% 0.13 $248 $1,141 Learn More

Featured - Washington 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
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Alton Bank
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Alton Bank Locations

Financial Details

Alton Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Alton Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Alton Bank U.S. Bank Average
6.71% 6.77%

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 June 30, 2019, Alton Bank had $570,000 in non-current loans and $120,000 in owned real estate. To cover these potential losses it had $9,968,000 in equity and $314,000 in loans loss reserves. That gives it a Texas Ratio of 6.71%.

Return on Equity
Alton Bank U.S. Bank Average
12.83% 9.50%

Alton Bank has a Return on Equity of 12.83% versus the BestCashCow average of 9.50%. 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.

Alton Bank U.S. Bank Average
14.99% 12.76%

Alton Bank has a Capitalization of 14.99% versus the BestCashCow average of 12.76. 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.

Alton Bank Balance Sheet Analysis

As of June 30, 2019, Alton Bank had assets of $66,508,000, loans of $42,726,000, and deposits of $53,295,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 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 $0.06 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 80.50%
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 $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 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 Alton Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks in Missouri, Alton Bank has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 22.76
Credit Card Loans 0.00
Consumer Auto Loans 4.35
Small Business Loans 14.90
Construction and Development Loans 1.26
Commercial Real Estate 15.90
Commercial and Industrial Loans 7.19
Farm Loans 15.41

Frequently Asked Questions About Alton Bank

Branches and Savings

Is Alton Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8276.

Why does Alton Bank pay such low interest on savings accounts?

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

Why are Alton Bank CD rates not competitive?

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

Is Alton Bank a commercial bank?


Where are Alton Bank locations?

See branch locations nearby.

Is Alton Bank open on Saturdays?

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Will Alton Bank notarize my document?

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Will the Alton Bank branch print checks?

Do Alton Bank checks expire?

Does Alton Bank require US citizenship to open account?

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Does Alton Bank Report to credit bureaus?

Does Alton Bank Use Equifax?

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Does Alton Bank offer mortgages?

Compare mortgage rates here.

Does Alton Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Alton Bank offer personal loans?

Compare personal loan rates here.

Does Alton Bank offer student loans?

Will Alton Bank cash a check?

Will Alton Bank redeem a savings bond?

Does Alton Bank cash savings bonds?

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Can Alton Bank issue a money order?

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Background on The Bank

Who owns Alton Bank?

How long has Alton Bank been around?

Can Alton Bank transfer to other banks?

Does Alton Bank have quick pay?

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