Ballinger National Bank

900 Hutchings Avenue
Ballinger, TX 76821

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34456
Date Established 1997
Assets $0.04 billion
Loans $0.02 billion
Deposits $0.04 billion
Capital $0.00 billion

Ballinger National Bank is an FDIC insured institution located in Ballinger, TX. It was founded in 1997 and has approximately $0.04 billion in assets.

For a more detailed analysis of Ballinger National 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 Ballinger National Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, Ballinger National Bank has a significantly higher percent of Farm 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.41
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.10
Small Business Loans 0.00
Construction and Development Loans 3.64
Commercial Real Estate 5.90
Commercial and Industrial Loans 12.56
Farm Loans 24.00

Deposit Rates

Your Current Location: Virginia, VA 20146

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

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Ballinger National 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 2018

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4.796% 4.750% 0.00 $1,325 $1,305 Learn More
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Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

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Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to Ballinger National Bank
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Branches

Ballinger National 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


Ballinger National Bank Locations

Financial Details

Ballinger National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ballinger National 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
Ballinger National Bank U.S. Bank Average
7.85% 7.92%

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, 2018, Ballinger National Bank had $324,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,851,000 in equity and $278,000 in loans loss reserves. That gives it a Texas Ratio of 7.85%.

Return on Equity
Ballinger National Bank U.S. Bank Average
14.2% 9.35%

Ballinger National Bank has a Return on Equity of 14.2% versus the BestCashCow average of 9.35%. 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
Ballinger National Bank U.S. Bank Average
9.08% 12.01%

Ballinger National Bank has a Capitalization of 9.08% versus the BestCashCow average of 12.01. 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.

Ballinger National Bank Balance Sheet Analysis

As of March 31, 2018, Ballinger National Bank had assets of $42,419,000, loans of $16,057,000, and deposits of $38,496,000. 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

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 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 $0.04 billion
LIABILITIES
Total deposits $0.04 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 89.50%
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 $0.04 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

INCOME AND EXPENSES
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

Frequently Asked Questions About Ballinger National Bank

Branches and Savings

Is Ballinger National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34456.

Why does Ballinger National Bank pay such low interest on savings accounts?

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

Why are Ballinger National Bank CD rates not competitive?

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

Is Ballinger National Bank a commercial bank?

Yes

Where are Ballinger National Bank locations?

See branch locations nearby.

Is Ballinger National Bank open on Saturdays?

Is Ballinger National Bank open on Sundays?

What time does Ballinger National Bank open?

What time does Ballinger National Bank close?

Are Ballinger National Bank ATMs Open 24/7?

Do Ballinger National Bank ATMs accept cash deposits?

Can Ballinger National Bank customers use other ATMs?

Do Ballinger National Bank branches have notaries?

Will Ballinger National Bank notarize my document?

What address for Ballinger National Bank should I put for incoming ACH transfers?

Will the Ballinger National Bank branch print checks?

Do Ballinger National Bank checks expire?

Does Ballinger National Bank require US citizenship to open account?

Can Ballinger National Bank close my account?

Does Ballinger National Bank Report to credit bureaus?

Does Ballinger National Bank Use Equifax?

What is Ballinger National Bank's ACH Routing Number?

What is Ballinger National Bank's SWIFT code?

Products

Does Ballinger National Bank offer mortgages?

Compare mortgage rates here.

Does Ballinger National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ballinger National Bank offer personal loans?

Compare personal loan rates here.

Does Ballinger National Bank offer student loans?

Will Ballinger National Bank cash a check?

Will Ballinger National Bank redeem a savings bond?

Does Ballinger National Bank cash savings bonds?

Will Ballinger National Bank cash money orders?

Can Ballinger National Bank issue a money order?

Does Ballinger National Bank do currency exchange?

Background on The Bank

Who owns Ballinger National Bank?

How long has Ballinger National Bank been around?

Can Ballinger National Bank transfer to other banks?

Does Ballinger National Bank have quick pay?

Does Ballinger National Bank accept rolled coins?

Will Ballinger National Bank accept loose change?

Where is Ballinger National Bank headquarters?

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