Bank of Dixon County

Headquarters

117 East Third Street
Ponca, NE 68770
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.40% 0.95% →
1-Year CD 1.10% 1.01% →
2-Year CD 1.30% 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank of Dixon County is an FDIC insured institution located in Ponca, NE. It was founded in 1881 and has approximately $0.1 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 14912
Date Established 1881
Assets $ 98.30 million
Loans $ 71.13 million
Deposits $ 84.74 million
Capital $ 12.04 million
 

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

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.40% $2,500 $4,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.85% $10,000 $14,999 Learn More
6 Mo CD
0.85% $100,000 $199,999 Learn More
12 Mo CD
1.10% $10,000 $14,999 Learn More
12 Mo CD
1.10% $100,000 $199,999 Learn More
18 Mo CD
1.25% $10,000 $14,999 Learn More
18 Mo CD
1.25% $100,000 $199,999 Learn More
24 Mo CD
1.30% $10,000 $14,999 Learn More
24 Mo CD
1.30% $100,000 $199,999 Learn More
30 Mo CD
1.35% $10,000 $14,999 Learn More
30 Mo CD
1.35% $100,000 $199,999 Learn More
36 Mo CD
1.51% $10,000 $14,999 Learn More
36 Mo CD
1.51% $100,000 $199,999 Learn More
48 Mo CD
1.56% $10,000 $14,999 Learn More
48 Mo CD
1.56% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
Var IRA
1.51% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.30% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bank of Dixon County

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Bank of Dixon County
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Branches

Bank of Dixon County 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


Bank of Dixon County Locations


Financial Details

Bank of Dixon County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Dixon County. 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 Dixon County U.S. Bank Average
2.99% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Bank of Dixon County had $216,000 in non-current loans and $168,000 in owned real estate. To cover these potential losses it had $12,035,000 in equity and $815,000 in loans loss reserves. That gives it a Texas Ratio of 2.99%.

Return on Equity
Bank of Dixon County U.S. Bank Average
9.6% 7.80%

Bank of Dixon County has a Return on Equity of 9.6% versus the BestCashCow average of 7.80%. 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 Dixon County U.S. Bank Average
12.24% 12.68%

Bank of Dixon County has a Capitalization of 12.24% versus the BestCashCow average of 12.68. 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 Dixon County Balance Sheet Analysis

As of March 31, 2020, Bank of Dixon County had assets of $98,302,000, loans of $71,131,000, and deposits of $84,737,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 12.41 million
Interest-bearing balances $ 10.11 million
Total securities $ 12.09 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 71.13 million
Loan loss allowance $ 0.82 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.17 million
Goodwill and other intangibles N.A.
All other assets $ 1.19 million
     Total Assets $ 86.27 million
LIABILITIES
Total deposits $ 84.74 million
      Interest-bearing deposits $ 65.94 million
      Deposits held in domestic offices $ 84.74 million
      % insured (estimated) 88.80%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.10 million
Subordinated debt N.A.
All other liabilities $ 0.43 million
      Total Liabilities $ 86.27 million
      Shareholders’ Equity $ 12.04 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.10 million
Total Interest Expense $ 0.24 million
Net interest income $ 0.86 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.07 million
Total non interest expense $ 0.56 million
Pre-tax Net Operating Income $ 0.32 million

Bank Loan Profile?

The top three loan types in Bank of Dixon County’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Bank of Dixon County’s loan portfolio does not show any specific loan specialty.

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 21.54
Multifamily
Mortgages
0.38
Credit Card Loans 0.37
Consumer Auto Loans 3.72
Small Business Loans 0.00
Construction and Development Loans 2.20
Commercial Real Estate 4.66
Commercial and Industrial Loans 13.77
Farm Loans 34.75

Frequently Asked Questions About Bank Of Dixon County

Branches and Savings

Is Bank Of Dixon County FDIC insured?

Yes. It is covered under FDIC Certificate #14912.

Why does Bank Of Dixon County 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 Dixon County CD rates not competitive?

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

Is Bank Of Dixon County a commercial bank?

Yes

Where are Bank Of Dixon County locations?

See branch locations nearby.

Is Bank Of Dixon County open on Saturdays?

Is Bank Of Dixon County open on Sundays?

What time does Bank Of Dixon County open?

What time does Bank Of Dixon County close?

Are Bank Of Dixon County ATMs Open 24/7?

Do Bank Of Dixon County ATMs accept cash deposits?

Can Bank Of Dixon County customers use other ATMs?

Do Bank Of Dixon County branches have notaries?

Will Bank Of Dixon County notarize my document?

What address for Bank Of Dixon County should I put for incoming ACH transfers?

Will the Bank Of Dixon County branch print checks?

Do Bank Of Dixon County checks expire?

Does Bank Of Dixon County require US citizenship to open account?

Can Bank Of Dixon County close my account?

Does Bank Of Dixon County Report to credit bureaus?

Does Bank Of Dixon County Use Equifax?

What is Bank Of Dixon County's ACH Routing Number?

What is Bank Of Dixon County's SWIFT code?

Products

Does Bank Of Dixon County offer mortgages?

Compare mortgage rates here.

Does Bank Of Dixon County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Dixon County offer personal loans?

Compare personal loan rates here.

Does Bank Of Dixon County offer student loans?

Will Bank Of Dixon County cash a check?

Will Bank Of Dixon County redeem a savings bond?

Does Bank Of Dixon County cash savings bonds?

Will Bank Of Dixon County cash money orders?

Can Bank Of Dixon County issue a money order?

Does Bank Of Dixon County do currency exchange?

Background on The Bank

Who owns Bank Of Dixon County?

How long has Bank Of Dixon County been around?

Can Bank Of Dixon County transfer to other banks?

Does Bank Of Dixon County have quick pay?

Does Bank Of Dixon County accept rolled coins?

Will Bank Of Dixon County accept loose change?

Where is Bank Of Dixon County headquarters?

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