Avon State Bank

104 Avon Ave North
Avon, MN 56310


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10171
Date Established 1907
Assets $0.11 billion
Loans $0.04 billion
Deposits $0.09 billion
Capital $0.01 billion

Avon State Bank is an FDIC insured institution located in Avon, MN. It was founded in 1907 and has approximately $0.11 billion in assets.

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

Deposit Rates - July 16, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Avon State Bank, but see these great savings and CD rates:

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Loan Rates - July 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Avon State 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
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
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License#: 520-CL-25944
3.778% 3.750% 0.38 $852 $1,158 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
3.697% 3.625% 0.50 $2,253 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info

Note to Avon State Bank
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Financial Details

Avon State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Avon 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
Avon State Bank U.S. Bank Average
0.27% 6.94%

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 March 31, 2019, Avon State Bank had $40,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,633,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0.27%.

Return on Equity
Avon State Bank U.S. Bank Average
5.83% 9.47%

Avon State Bank has a Return on Equity of 5.83% versus the BestCashCow average of 9.47%. 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.

Avon State Bank U.S. Bank Average
13.44% 12.49%

Avon State Bank has a Capitalization of 13.44% versus the BestCashCow average of 12.49. 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.

Avon State Bank Balance Sheet Analysis

As of June 30, 2017, Avon State Bank had assets of $108,858,000, loans of $37,827,000, and deposits of $93,768,000. 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, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 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 $0.00 billion
Total deposits $0.09 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
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 $0.00 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

March 31, 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 Avon State Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Small Business Loans.

Compared to other banks in Minnesota, Avon State Bank has a significantly higher percent of 1-4 Family Residential 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 63.88
Credit Card Loans 0.00
Consumer Auto Loans 2.52
Small Business Loans 7.74
Construction and Development Loans 1.79
Commercial Real Estate 7.74
Commercial and Industrial Loans 6.25
Farm Loans 9.05

Frequently Asked Questions About Avon State Bank

Branches and Savings

Is Avon State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #10171.

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

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Why are Avon State Bank CD rates not competitive?

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

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Background on The Bank

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