Bank 21

One West Washington Avenue
Carrollton, MO 64633

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8560
Date Established 1912
Assets $0.13 billion
Loans $0.10 billion
Deposits $0.11 billion
Capital $0.01 billion

Bank 21 is an FDIC insured institution located in Carrollton, MO. It was founded in 1912 and has approximately $0.13 billion in assets. Customers can open an account at one of its 5 branches.

For a more detailed analysis of Bank 21'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 Bank 21’s loan portfolio are 1-4 Family Residential Loans, Construction and Development Loans, and Small Business Loans.

Compared to other banks in Missouri, Bank 21 has a significantly higher percent of 1-4 Family Residential Loans, Construction and Development 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 48.22
Multifamily
Mortgages
3.72
Credit Card Loans 0.00
Consumer Auto Loans 0.52
Small Business Loans 10.82
Construction and Development Loans 16.31
Commercial Real Estate 10.82
Commercial and Industrial Loans 6.06
Farm Loans 3.47

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.25% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.00% $500 - Learn MoreShow Less
Special: 13 Mo FIRA
1.40% $500 - Learn MoreShow Less
Special: 25 Mo FIRA
2.02% $500 - Learn MoreShow Less
Special: 37 Mo FIRA
2.00% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
1.01% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.25% $1,000 $24,999 Learn MoreShow Less
MM 25K
0.25% $25,000 $49,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank 21

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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.553% 4.500% 0.13 $1,550 $1,267 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.544% 4.500% 0.00 $1,305 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.320% 4.250% 0.38 $2,190 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.459% 4.375% 0.00 $2,500 $1,249 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to Bank 21
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bank 21 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


Bank 21 Locations

Financial Details

Bank 21 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank 21. 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
Bank 21 U.S. Bank Average
0.76% 8.32%

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 September 30, 2017, Bank 21 had $96,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,244,000 in equity and $1,452,000 in loans loss reserves. That gives it a Texas Ratio of 0.76%.

Return on Equity
Bank 21 U.S. Bank Average
16.47% 8.84%

Bank 21 has a Return on Equity of 16.47% versus the BestCashCow average of 8.84%. 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
Bank 21 U.S. Bank Average
8.94% 12.21%

Bank 21 has a Capitalization of 8.94% versus the BestCashCow average of 12.21. 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.

Bank 21 Balance Sheet Analysis

As of December 31, 2017, Bank 21 had assets of $125,741,000, loans of $104,800,000, and deposits of $114,074,000. 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 $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 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 $0.11 billion
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.08 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 84.59%
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 $0.11 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

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

Frequently Asked Questions About Bank 21

Branches and Savings

Is Bank 21 FDIC insured?

Yes. It is covered under FDIC Certificate #8560.

Why does Bank 21 pay such low interest on savings accounts?

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

Why are Bank 21 CD rates not competitive?

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

Is Bank 21 a commercial bank?

Yes

Where are Bank 21 locations?

See branch locations nearby.

Is Bank 21 open on Saturdays?

Is Bank 21 open on Sundays?

What time does Bank 21 open?

What time does Bank 21 close?

Are Bank 21 ATMs Open 24/7?

Do Bank 21 ATMs accept cash deposits?

Can Bank 21 customers use other ATMs?

Do Bank 21 branches have notaries?

Will Bank 21 notarize my document?

What address for Bank 21 should I put for incoming ACH transfers?

Will the Bank 21 branch print checks?

Do Bank 21 checks expire?

Does Bank 21 require US citizenship to open account?

Can Bank 21 close my account?

Does Bank 21 Report to credit bureaus?

Does Bank 21 Use Equifax?

What is Bank 21's ACH Routing Number?

What is Bank 21's SWIFT code?

Products

Does Bank 21 offer mortgages?

Compare mortgage rates here.

Does Bank 21 offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank 21 offer personal loans?

Compare personal loan rates here.

Does Bank 21 offer student loans?

Will Bank 21 cash a check?

Will Bank 21 redeem a savings bond?

Does Bank 21 cash savings bonds?

Will Bank 21 cash money orders?

Can Bank 21 issue a money order?

Does Bank 21 do currency exchange?

Background on The Bank

Who owns Bank 21?

How long has Bank 21 been around?

Can Bank 21 transfer to other banks?

Does Bank 21 have quick pay?

Does Bank 21 accept rolled coins?

Will Bank 21 accept loose change?

Where is Bank 21 headquarters?

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