Alton Bank

520 Broadway St
Alton, MO 65606

Overview

General Bank Information

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

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.

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.

Bank Loan Profile?

The top three loan types in Alton Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Alton Bank’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 26.66
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.29
Small Business Loans 15.71
Construction and Development Loans 0.50
Commercial Real Estate 18.64
Commercial and Industrial Loans 6.46
Farm Loans 13.16

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.25% $500 $49,999 Learn MoreShow Less
6 Mo CD 10K
0.35% $500 $49,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.15% $50 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.75% $500 $99,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $1 $9,999 Learn MoreShow Less
MM 10K
0.25% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1,000 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $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 Alton Bank
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Branches

Alton Bank 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


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 BestCashCow.com 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
5.62% 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, Alton Bank had $404,000 in non-current loans and $94,000 in owned real estate. To cover these potential losses it had $8,296,000 in equity and $558,000 in loans loss reserves. That gives it a Texas Ratio of 5.62%. 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
Alton Bank U.S. Bank Average
17.7% 8.58

Alton Bank has a Return on Equity of 17.7% 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
Alton Bank U.S. Bank Average
12.76% 12.11

Alton Bank has a Capitalization of 12.76% 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.

Alton Bank Balance Sheet Analysis

As of June 30, 2017, Alton Bank had assets of $65,022,000, loans of $40,615,000, and deposits of $51,712,000. 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 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?

Yes

Where are Alton Bank locations?

See branch locations nearby.

Is Alton Bank open on Saturdays?

Is Alton Bank open on Sundays?

What time does Alton Bank open?

What time does Alton Bank close?

Are Alton Bank ATMs Open 24/7?

Do Alton Bank ATMs accept cash deposits?

Can Alton Bank customers use other ATMs?

Do Alton Bank branches have notaries?

Will Alton Bank notarize my document?

What address for Alton Bank should I put for incoming ACH transfers?

Will the Alton Bank branch print checks?

Do Alton Bank checks expire?

Does Alton Bank require US citizenship to open account?

Can Alton Bank close my account?

Does Alton Bank Report to credit bureaus?

Does Alton Bank Use Equifax?

What is Alton Bank's ACH Routing Number?

What is Alton Bank's SWIFT code?

Products

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?

Will Alton Bank cash money orders?

Can Alton Bank issue a money order?

Does Alton Bank do currency exchange?

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?

Does Alton Bank accept rolled coins?

Will Alton Bank accept loose change?

Where is Alton Bank headquarters?

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