BancCentral, National Association

602-612 Flynn Street
Alva, OK 73717

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4033
Date Established 1913
Assets $0.56 billion
Loans $0.28 billion
Deposits $0.51 billion
Capital $0.05 billion

BancCentral, National Association is an FDIC insured institution located in Alva, OK. It was founded in 1913 and has approximately $0.56 billion in assets. Customers can open an account at one of its 5 branches.

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

Deposit Rates - August 25, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $2,500 $24,999 Learn MoreShow Less
Money Market
0.35% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.70% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.80% $100,000 - Learn MoreShow Less
0.80% $100,000 $9,999,999 Learn MoreShow Less
0.95% $500 $99,999 Learn MoreShow Less
6 Mo CD
1.05% $100,000 - Learn MoreShow Less
1.05% $100,000 $9,999,999 Learn MoreShow Less
1.81% $500 $99,999 Learn MoreShow Less
1.91% $100,000 $9,999,999 Learn MoreShow Less
12 Mo CD
1.91% $100,000 - Learn MoreShow Less
1.86% $500 $99,999 Learn MoreShow Less
1.96% $100,000 $9,999,999 Learn MoreShow Less
18 Mo CD
1.96% $100,000 - Learn MoreShow Less
1.91% $500 $99,999 Learn MoreShow Less
2.02% $100,000 $9,999,999 Learn MoreShow Less
24 Mo CD
2.02% $100,000 - Learn MoreShow Less
2.02% $500 $99,999 Learn MoreShow Less
2.12% $100,000 $9,999,999 Learn MoreShow Less
36 Mo CD
2.12% $100,000 - Learn MoreShow Less
2.12% $500 $99,999 Learn MoreShow Less
2.22% $100,000 $9,999,999 Learn MoreShow Less
48 Mo CD
2.22% $100,000 - Learn MoreShow Less
2.27% $500 $99,999 Learn MoreShow Less
2.37% $100,000 $9,999,999 Learn MoreShow Less
60 Mo CD
2.37% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.86% $500 $9,999,999 Learn MoreShow Less
Fixed IRA
1.86% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $500 - Learn MoreShow Less

Loan Rates - August 25, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for BancCentral, National Association

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
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.529% 3.500% 0.38 $898 $1,123 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
4.240 %
$0 Learn More
More Info

Note to BancCentral, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

BancCentral, National Association 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:
Seattle,Washington


BancCentral, National Association Locations


Financial Details

BancCentral, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BancCentral, National Association. 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
BancCentral, National Association U.S. Bank Average
13.05% 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, BancCentral, National Association had $6,266,000 in non-current loans and $335,000 in owned real estate. To cover these potential losses it had $46,189,000 in equity and $4,407,000 in loans loss reserves. That gives it a Texas Ratio of 13.05%.

Return on Equity
BancCentral, National Association U.S. Bank Average
5.62% 9.47%

BancCentral, National Association has a Return on Equity of 5.62% 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.

Capitalization
BancCentral, National Association U.S. Bank Average
8.25% 12.49%

BancCentral, National Association has a Capitalization of 8.25% 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.

BancCentral, National Association Balance Sheet Analysis

As of March 31, 2019, BancCentral, National Association had assets of $559,631,000, loans of $279,691,000, and deposits of $511,536,000. 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
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.21 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.28 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 $0.02 billion
     Total Assets $0.51 billion
LIABILITIES
Total deposits $0.51 billion
      Interest-bearing deposits $0.40 billion
      Deposits held in domestic offices $0.51 billion
      % insured (estimated) 68.96%
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 $0.51 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 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 BancCentral, National Association’s loan portfolio are Commercial and Industrial Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Oklahoma, BancCentral, National Association has a significantly higher percent of Credit Card 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 6.31
Multifamily
Mortgages
1.07
Credit Card Loans 0.23
Consumer Auto Loans 0.39
Small Business Loans 6.21
Construction and Development Loans 3.23
Commercial Real Estate 18.99
Commercial and Industrial Loans 24.25
Farm Loans 23.16

Frequently Asked Questions About Banccentral, National Association

Branches and Savings

Is Banccentral, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #4033.

Why does Banccentral, National Association pay such low interest on savings accounts?

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

Why are Banccentral, National Association CD rates not competitive?

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

Is Banccentral, National Association a commercial bank?

Yes

Where are Banccentral, National Association locations?

See branch locations nearby.

Is Banccentral, National Association open on Saturdays?

Is Banccentral, National Association open on Sundays?

What time does Banccentral, National Association open?

What time does Banccentral, National Association close?

Are Banccentral, National Association ATMs Open 24/7?

Do Banccentral, National Association ATMs accept cash deposits?

Can Banccentral, National Association customers use other ATMs?

Do Banccentral, National Association branches have notaries?

Will Banccentral, National Association notarize my document?

What address for Banccentral, National Association should I put for incoming ACH transfers?

Will the Banccentral, National Association branch print checks?

Do Banccentral, National Association checks expire?

Does Banccentral, National Association require US citizenship to open account?

Can Banccentral, National Association close my account?

Does Banccentral, National Association Report to credit bureaus?

Does Banccentral, National Association Use Equifax?

What is Banccentral, National Association's ACH Routing Number?

What is Banccentral, National Association's SWIFT code?

Products

Does Banccentral, National Association offer mortgages?

Compare mortgage rates here.

Does Banccentral, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Banccentral, National Association offer personal loans?

Compare personal loan rates here.

Does Banccentral, National Association offer student loans?

Will Banccentral, National Association cash a check?

Will Banccentral, National Association redeem a savings bond?

Does Banccentral, National Association cash savings bonds?

Will Banccentral, National Association cash money orders?

Can Banccentral, National Association issue a money order?

Does Banccentral, National Association do currency exchange?

Background on The Bank

Who owns Banccentral, National Association?

How long has Banccentral, National Association been around?

Can Banccentral, National Association transfer to other banks?

Does Banccentral, National Association have quick pay?

Does Banccentral, National Association accept rolled coins?

Will Banccentral, National Association accept loose change?

Where is Banccentral, National Association headquarters?

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