Bank 21

One West Washington Avenue
Carrollton, MO 64633


General Bank Information

FDIC Insured Yes
FDIC Certificate # 8560
Date Established 1912
Assets $0.12 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 $0.12 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, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Missouri, Bank 21 has a significantly higher percent of Construction and Development Loans, Commercial and Industrial 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 47.74
Credit Card Loans 0.00
Consumer Auto Loans 0.53
Small Business Loans 0.00
Construction and Development Loans 14.81
Commercial Real Estate 1.49
Commercial and Industrial Loans 20.05
Farm Loans 3.40

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.25% $500 - Learn MoreShow Less
6 Mo CD 10K
0.60% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
1.00% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
1.00% $500 - Learn MoreShow Less
Special: 13 Mo FIRA
1.35% $500 - Learn MoreShow Less
Special: 25 Mo FIRA
1.50% $500 - Learn MoreShow Less
Special: 37 Mo FIRA
1.75% $500 - Learn MoreShow Less
Special: 60 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 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
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,787 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Bank 21
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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.

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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 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% 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 $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,163,000 in equity and $1,355,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank 21 U.S. Bank Average
17.72% 8.84%

Bank 21 has a Return on Equity of 17.72% 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.

Bank 21 U.S. Bank Average
9.07% 12.21%

Bank 21 has a Capitalization of 9.07% 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 September 30, 2017, Bank 21 had assets of $123,112,000, loans of $102,488,000, and deposits of $109,553,000. 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.

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?


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?


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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