Bancroft State Bank

5496 County Road W
Bancroft, WI 54921

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12342
Date Established 1912
Assets $0.07 billion
Loans $0.04 billion
Deposits $0.06 billion
Capital $0.01 billion

Bancroft State Bank is an FDIC insured institution located in Bancroft, WI. It was founded in 1912 and has approximately $0.07 billion in assets.

For a more detailed analysis of Bancroft 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 Bancroft State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Wisconsin, Bancroft State Bank has a significantly higher percent of Small Business 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 39.67
Multifamily
Mortgages
1.26
Credit Card Loans 1.07
Consumer Auto Loans 1.45
Small Business Loans 18.17
Construction and Development Loans 5.58
Commercial Real Estate 21.85
Commercial and Industrial Loans 9.25
Farm Loans 4.74

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bancroft State 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 Bancroft 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 2018

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Featured - Virginia Home Equity Line Of Credit Rates 2018

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

Note to Bancroft State Bank
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Branches

Bancroft 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


Bancroft State Bank Locations

Financial Details

Bancroft State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bancroft 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
Bancroft State Bank U.S. Bank Average
9.53% 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, Bancroft State Bank had $800,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,372,000 in equity and $26,000 in loans loss reserves. That gives it a Texas Ratio of 9.53%.

Return on Equity
Bancroft State Bank U.S. Bank Average
10.08% 9.35%

Bancroft State Bank has a Return on Equity of 10.08% 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
Bancroft State Bank U.S. Bank Average
12.14% 12.01%

Bancroft State Bank has a Capitalization of 12.14% 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.

Bancroft State Bank Balance Sheet Analysis

As of June 30, 2016, Bancroft State Bank had assets of $72,032,000, loans of $44,034,000, and deposits of $60,569,000. 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 $0.00 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
LIABILITIES
Total deposits $0.06 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 $0.07 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 Bancroft State Bank

Branches and Savings

Is Bancroft State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12342.

Why does Bancroft 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 Bancroft State Bank CD rates not competitive?

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

Is Bancroft State Bank a commercial bank?

Yes

Where are Bancroft State Bank locations?

See branch locations nearby.

Is Bancroft State Bank open on Saturdays?

Is Bancroft State Bank open on Sundays?

What time does Bancroft State Bank open?

What time does Bancroft State Bank close?

Are Bancroft State Bank ATMs Open 24/7?

Do Bancroft State Bank ATMs accept cash deposits?

Can Bancroft State Bank customers use other ATMs?

Do Bancroft State Bank branches have notaries?

Will Bancroft State Bank notarize my document?

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

Will the Bancroft State Bank branch print checks?

Do Bancroft State Bank checks expire?

Does Bancroft State Bank require US citizenship to open account?

Can Bancroft State Bank close my account?

Does Bancroft State Bank Report to credit bureaus?

Does Bancroft State Bank Use Equifax?

What is Bancroft State Bank's ACH Routing Number?

What is Bancroft State Bank's SWIFT code?

Products

Does Bancroft State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bancroft State Bank offer personal loans?

Compare personal loan rates here.

Does Bancroft State Bank offer student loans?

Will Bancroft State Bank cash a check?

Will Bancroft State Bank redeem a savings bond?

Does Bancroft State Bank cash savings bonds?

Will Bancroft State Bank cash money orders?

Can Bancroft State Bank issue a money order?

Does Bancroft State Bank do currency exchange?

Background on The Bank

Who owns Bancroft State Bank?

How long has Bancroft State Bank been around?

Can Bancroft State Bank transfer to other banks?

Does Bancroft State Bank have quick pay?

Does Bancroft State Bank accept rolled coins?

Will Bancroft State Bank accept loose change?

Where is Bancroft State Bank headquarters?

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