Arcola Homestead Savings Bank

110 North Oak Street
Arcola, IL 61910

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 31813
Date Established 1883
Assets $0.02 billion
Loans $0.02 billion
Deposits $0.02 billion
Capital $0.00 billion

Arcola Homestead Savings Bank is an FDIC insured institution located in Arcola, IL. It was founded in 1883 and has approximately $0.02 billion in assets.

TierOne Bank, Lincoln, Nebraska, was closed June 8, 2010 by the Office of Thrift Supervision, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Great Western Bank, Sioux Falls, South Dakota, to assume all of the deposits of TierOne Bank.

For a more detailed analysis of Arcola Homestead Savings 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 Arcola Homestead Savings Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Arcola Homestead Savings 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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
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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Arcola Homestead Savings Bank Locations

Financial Details

Arcola Homestead Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Arcola Homestead Savings Bank. 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
Arcola Homestead Savings Bank U.S. Bank Average
29.7% 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, Arcola Homestead Savings Bank had $731,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $2,295,000 in equity and $166,000 in loans loss reserves. That gives it a Texas Ratio of 29.7%. 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
Arcola Homestead Savings Bank U.S. Bank Average
2.91% 9.45%

Arcola Homestead Savings Bank has a Return on Equity of 2.91% 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
Arcola Homestead Savings Bank U.S. Bank Average
11.06% 11.28%

Arcola Homestead Savings Bank has a Capitalization of 11.06% 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.

Arcola Homestead Savings Bank Balance Sheet Analysis

As of November 30, -0001, Arcola Homestead Savings Bank had assets of $20,753,000, loans of $15,596,000, and deposits of $18,388,000. 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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