Austin County State Bank

Headquarters

436 South Front Street
Bellville, TX 77418
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.40% →
1-Year CD 0.95% 1.15% →
2-Year CD 1.05% 1.26% →
5-Year CD 1.31% 2.25% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Austin County State Bank is an FDIC insured institution located in Bellville, TX. It was founded in 2007 and has approximately $0.2 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58484
Date Established 2007
Assets $ 198.88 million
Loans $ 145.33 million
Deposits $ 170.67 million
Capital $ 18.60 million
 

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

Deposit Rates - July 14, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.90% $10,000 $14,999 Learn More
12 Mo CD
0.95% $100,000 $199,999 Learn More
18 Mo CD
0.95% $10,000 $14,999 Learn More
18 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.05% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.21% $10,000 $14,999 Learn More
60 Mo CD
1.31% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 14, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Austin County State Bank

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




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.951% 2.875% 1.00 $2,445 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info

Note to Austin County State Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Austin County State 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:
Fairfield,Connecticut


Austin County State Bank Locations


Financial Details

Austin County State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Austin County State 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
Austin County State Bank U.S. Bank Average
0.11% 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, Austin County State Bank had $23,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,595,000 in equity and $2,596,000 in loans loss reserves. That gives it a Texas Ratio of 0.11%.

Return on Equity
Austin County State Bank U.S. Bank Average
12.18% 7.80%

Austin County State Bank has a Return on Equity of 12.18% 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
Austin County State Bank U.S. Bank Average
9.35% 12.68%

Austin County State Bank has a Capitalization of 9.35% 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.

Austin County State Bank Balance Sheet Analysis

As of March 31, 2020, Austin County State Bank had assets of $198,877,000, loans of $145,333,000, and deposits of $170,665,000. 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 $ 18.95 million
Interest-bearing balances $ 15.03 million
Total securities $ 24.92 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 145.33 million
Loan loss allowance $ 2.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 4.47 million
     Total Assets $ 180.28 million
LIABILITIES
Total deposits $ 170.67 million
      Interest-bearing deposits $ 137.40 million
      Deposits held in domestic offices $ 170.67 million
      % insured (estimated) 75.61%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 9.13 million
Subordinated debt N.A.
All other liabilities $ 0.49 million
      Total Liabilities $ 180.28 million
      Shareholders’ Equity $ 18.60 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.48 million
Total Interest Expense $ 0.50 million
Net interest income $ 1.97 million
Provision for loan and lease losses $ 0.11 million
Total non interest income $ 0.18 million
Total non interest expense $ 1.48 million
Pre-tax Net Operating Income $ 0.56 million

Bank Loan Profile?

The top three loan types in Austin County State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Austin County State 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 32.59
Multifamily
Mortgages
1.06
Credit Card Loans 0.00
Consumer Auto Loans 0.37
Small Business Loans 0.00
Construction and Development Loans 13.09
Commercial Real Estate 16.17
Commercial and Industrial Loans 26.18
Farm Loans 4.67

Frequently Asked Questions About Austin County State Bank

Branches and Savings

Is Austin County State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58484.

Why does Austin County State Bank pay such low interest on savings accounts?

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

Why are Austin County State Bank CD rates not competitive?

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

Is Austin County State Bank a commercial bank?

Yes

Where are Austin County State Bank locations?

See branch locations nearby.

Is Austin County State Bank open on Saturdays?

Is Austin County State Bank open on Sundays?

What time does Austin County State Bank open?

What time does Austin County State Bank close?

Are Austin County State Bank ATMs Open 24/7?

Do Austin County State Bank ATMs accept cash deposits?

Can Austin County State Bank customers use other ATMs?

Do Austin County State Bank branches have notaries?

Will Austin County State Bank notarize my document?

What address for Austin County State Bank should I put for incoming ACH transfers?

Will the Austin County State Bank branch print checks?

Do Austin County State Bank checks expire?

Does Austin County State Bank require US citizenship to open account?

Can Austin County State Bank close my account?

Does Austin County State Bank Report to credit bureaus?

Does Austin County State Bank Use Equifax?

What is Austin County State Bank's ACH Routing Number?

What is Austin County State Bank's SWIFT code?

Products

Does Austin County State Bank offer mortgages?

Compare mortgage rates here.

Does Austin County State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Austin County State Bank offer personal loans?

Compare personal loan rates here.

Does Austin County State Bank offer student loans?

Will Austin County State Bank cash a check?

Will Austin County State Bank redeem a savings bond?

Does Austin County State Bank cash savings bonds?

Will Austin County State Bank cash money orders?

Can Austin County State Bank issue a money order?

Does Austin County State Bank do currency exchange?

Background on The Bank

Who owns Austin County State Bank?

How long has Austin County State Bank been around?

Can Austin County State Bank transfer to other banks?

Does Austin County State Bank have quick pay?

Does Austin County State Bank accept rolled coins?

Will Austin County State Bank accept loose change?

Where is Austin County State Bank headquarters?

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