Bank of Alapaha

245 Ne Railroad St.
Alapaha, GA 31622

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 155
Date Established 1905
Assets $0.15 billion
Loans $0.11 billion
Deposits $0.13 billion
Capital $0.02 billion

Bank of Alapaha is an FDIC insured institution located in Alapaha, GA. It was founded in 1905 and has approximately $0.15 billion in assets. Customers can open an account at one of its 4 branches.

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

Compared to other banks in Georgia, Bank of Alapaha has a significantly higher percent of 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.38
Multifamily
Mortgages
0.91
Credit Card Loans 0.00
Consumer Auto Loans 5.08
Small Business Loans 3.00
Construction and Development Loans 1.66
Commercial Real Estate 3.00
Commercial and Industrial Loans 28.80
Farm Loans 9.25

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.25% $500 - Learn MoreShow Less
6 Mo CD 10K
0.75% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.50% $25 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.25% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.50% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.50% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Alapaha

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Alapaha
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Branches

Bank of Alapaha 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 Of Alapaha Locations

Financial Details

Bank of Alapaha Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Alapaha. 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 of Alapaha U.S. Bank Average
2.04% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Alapaha had $336,000 in non-current loans and $45,000 in owned real estate. To cover these potential losses it had $17,143,000 in equity and $1,572,000 in loans loss reserves. That gives it a Texas Ratio of 2.04%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Alapaha U.S. Bank Average
8.9% 8.58

Bank of Alapaha has a Return on Equity of 8.9% versus the BestCashCow average of 8.58. 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 of Alapaha U.S. Bank Average
11.38% 12.11

Bank of Alapaha has a Capitalization of 11.38% versus the BestCashCow average of 12.11. 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 of Alapaha Balance Sheet Analysis

As of June 30, 2017, Bank of Alapaha had assets of $150,696,000, loans of $109,875,000, and deposits of $133,083,000. 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 of Alapaha

Branches and Savings

Is Bank of Alapaha FDIC insured?

Yes. It is covered under FDIC Certificate #155.

Why does Bank of Alapaha pay such low interest on savings accounts?

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

Why are Bank of Alapaha CD rates not competitive?

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

Is Bank of Alapaha a commercial bank?

Yes

Where are Bank of Alapaha locations?

See branch locations nearby.

Is Bank of Alapaha open on Saturdays?

Is Bank of Alapaha open on Sundays?

What time does Bank of Alapaha open?

What time does Bank of Alapaha close?

Are Bank of Alapaha ATMs Open 24/7?

Do Bank of Alapaha ATMs accept cash deposits?

Can Bank of Alapaha customers use other ATMs?

Do Bank of Alapaha branches have notaries?

Will Bank of Alapaha notarize my document?

What address for Bank of Alapaha should I put for incoming ACH transfers?

Will the Bank of Alapaha branch print checks?

Do Bank of Alapaha checks expire?

Does Bank of Alapaha require US citizenship to open account?

Can Bank of Alapaha close my account?

Does Bank of Alapaha Report to credit bureaus?

Does Bank of Alapaha Use Equifax?

What is Bank of Alapaha's ACH Routing Number?

What is Bank of Alapaha's SWIFT code?

Products

Does Bank of Alapaha offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank of Alapaha offer personal loans?

Compare personal loan rates here.

Does Bank of Alapaha offer student loans?

Will Bank of Alapaha cash a check?

Will Bank of Alapaha redeem a savings bond?

Does Bank of Alapaha cash savings bonds?

Will Bank of Alapaha cash money orders?

Can Bank of Alapaha issue a money order?

Does Bank of Alapaha do currency exchange?

Background on The Bank

Who owns Bank of Alapaha?

How long has Bank of Alapaha been around?

Can Bank of Alapaha transfer to other banks?

Does Bank of Alapaha have quick pay?

Does Bank of Alapaha accept rolled coins?

Will Bank of Alapaha accept loose change?

Where is Bank of Alapaha headquarters?

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