Bank of England

123 South Main Street
England, AR 72046


General Bank Information

FDIC Insured Yes
FDIC Certificate # 13303
Date Established 1898
Assets $0.32 billion
Loans $0.26 billion
Deposits $0.23 billion
Capital $0.04 billion

Bank of England is an FDIC insured institution located in England, AR. It was founded in 1898 and has approximately $0.32 billion in assets. Customers can open an account at one of its 30 branches.

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

Compared to other banks in Arkansas, Bank of England has a significantly higher percent of 1-4 Family Residential 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 71.60
Credit Card Loans 0.00
Consumer Auto Loans 0.25
Small Business Loans 4.50
Construction and Development Loans 0.76
Commercial Real Estate 7.52
Commercial and Industrial Loans 8.92
Farm Loans 7.25

Savings Rates

Your Current Location: Virginia, VA 20146

03MCD10K 0.50% $10,000 $97,999 Learn MoreShow Less
3 Mo CD 100K 0.65% $98,000 - Learn MoreShow Less
06MCD10K 0.50% $10,000 $97,999 Learn MoreShow Less
6 Mo CD 100K 0.65% $98,000 - Learn MoreShow Less
12MCD10K 0.80% $10,000 $97,999 Learn MoreShow Less
12 Mo CD 100K 0.90% $98,000 - Learn MoreShow Less
24MCD10K 1.00% $10,000 $97,999 Learn MoreShow Less
24 Mo CD 100K 1.00% $98,000 - Learn MoreShow Less
36MCD10K 1.10% $10,000 $97,999 Learn MoreShow Less
36 Mo CD 100K 1.10% $98,000 - Learn MoreShow Less
60MCD10K 1.26% $10,000 $97,999 Learn MoreShow Less
60 Mo CD 100K 1.26% $98,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K 0.30% $100 - Learn MoreShow Less
Fixed IRA 0K 0.90% $500 - Learn MoreShow Less
MM 10K 0.30% $1,000 - Learn MoreShow Less
Premium MM 10K 0.40% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K 0.50% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Bank of England Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of England. 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 England U.S. Bank Average
12.65% 9.04%

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 December 31, 2016, Bank of England had $4,271,000 in non-current loans and $1,886,000 in owned real estate. To cover these potential losses it had $44,718,000 in equity and $3,942,000 in loans loss reserves. That gives it a Texas Ratio of 12.65%. 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 England U.S. Bank Average
20.93% 8.42%

Bank of England has a Return on Equity of 20.93% versus the BestCashCow average of 8.42%. 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 England U.S. Bank Average
14.07% 11.86%

Bank of England has a Capitalization of 14.07% versus the BestCashCow average of 11.86%. 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 England Balance Sheet Analysis

As of December 31, 2016, Bank of England had assets of $317,715,000, loans of $261,374,000, and deposits of $229,603,000. 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.

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