Austin County State Bank

436 South Front Street
Bellville, TX 77418

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58484
Date Established 2007
Assets $0.15 billion
Loans $0.10 billion
Deposits $0.13 billion
Capital $0.01 billion

Austin County State Bank is an FDIC insured institution located in Bellville, TX. It was founded in 2007 and has approximately $0.15 billion in assets.

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.

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 36.88
Multifamily
Mortgages
0.93
Credit Card Loans 0.00
Consumer Auto Loans 0.96
Small Business Loans 9.05
Construction and Development Loans 7.91
Commercial Real Estate 21.59
Commercial and Industrial Loans 22.44
Farm Loans 5.02

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $1,000 $99,999 Learn MoreShow Less
3 Mo CD 100K
0.25% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.40% $1,000 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.50% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.20% $1 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.15% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $1,500 $9,999 Learn MoreShow Less
MM 10K
0.15% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.20% $25,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.15% $10,000 $24,999 Learn MoreShow Less
Premium MM 25K
0.20% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 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 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:
Ashburn,Virginia


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
2.48% 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, Austin County State Bank had $397,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,067,000 in equity and $1,948,000 in loans loss reserves. That gives it a Texas Ratio of 2.48%. 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
Austin County State Bank U.S. Bank Average
14.6% 8.58

Austin County State Bank has a Return on Equity of 14.6% 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
Austin County State Bank U.S. Bank Average
9.48% 12.11

Austin County State Bank has a Capitalization of 9.48% 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.

Austin County State Bank Balance Sheet Analysis

As of June 30, 2017, Austin County State Bank had assets of $148,388,000, loans of $103,986,000, and deposits of $131,761,000. 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 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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