Bank of Dwight

132 East Main
Dwight, IL 60420


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10805
Date Established 1855
Assets $0.06 billion
Loans $0.03 billion
Deposits $0.05 billion
Capital $0.01 billion

Bank of Dwight is an FDIC insured institution located in Dwight, IL. It was founded in 1855 and has approximately $0.06 billion in assets.

For a more detailed analysis of Bank of Dwight'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 Dwight’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bank of Dwight’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Dwight, but see these great savings and CD rates:

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Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Dwight

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 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
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Note to Bank of Dwight
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Bank of Dwight Locations

Financial Details

Bank of Dwight Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Dwight. 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 of Dwight U.S. Bank Average
21% 6.97%

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 December 31, 2018, Bank of Dwight had $1,262,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,508,000 in equity and $501,000 in loans loss reserves. That gives it a Texas Ratio of 21%.

Return on Equity
Bank of Dwight U.S. Bank Average
4.56% 8.80%

Bank of Dwight has a Return on Equity of 4.56% versus the BestCashCow average of 8.80%. 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.

Bank of Dwight U.S. Bank Average
9.43% 12.29%

Bank of Dwight has a Capitalization of 9.43% versus the BestCashCow average of 12.29. 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 Dwight Balance Sheet Analysis

As of November 30, -0001, Bank of Dwight had assets of $57,612,000, loans of $26,918,000, and deposits of $52,515,000. 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

December 31, 2018
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 $0.03 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
Total deposits $0.05 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 $0.06 billion

Summary Income Statement

December 31, 2018
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 Bank Of Dwight

Branches and Savings

Is Bank Of Dwight FDIC insured?

Yes. It is covered under FDIC Certificate #10805.

Why does Bank Of Dwight 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 Dwight CD rates not competitive?

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

Is Bank Of Dwight a commercial bank?


Where are Bank Of Dwight locations?

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Is Bank Of Dwight open on Saturdays?

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Are Bank Of Dwight ATMs Open 24/7?

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Will Bank Of Dwight notarize my document?

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Will the Bank Of Dwight branch print checks?

Do Bank Of Dwight checks expire?

Does Bank Of Dwight require US citizenship to open account?

Can Bank Of Dwight close my account?

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What is Bank Of Dwight's ACH Routing Number?

What is Bank Of Dwight's SWIFT code?


Does Bank Of Dwight offer mortgages?

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

Compare home equity lines of credit rates here.

Does Bank Of Dwight offer personal loans?

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Does Bank Of Dwight offer student loans?

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Will Bank Of Dwight redeem a savings bond?

Does Bank Of Dwight cash savings bonds?

Will Bank Of Dwight cash money orders?

Can Bank Of Dwight issue a money order?

Does Bank Of Dwight do currency exchange?

Background on The Bank

Who owns Bank Of Dwight?

How long has Bank Of Dwight been around?

Can Bank Of Dwight transfer to other banks?

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Will Bank Of Dwight accept loose change?

Where is Bank Of Dwight headquarters?

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