Bank of Eufaula

102 North Main
Eufaula, OK 74432

Notable Rates APY Vs.Others
Savings 0.10% 2.60% →
1-Year CD 1.10% 2.25% →
2-Year CD 1.51% 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Bank of Eufaula is an FDIC insured institution located in Eufaula, OK. It was founded in 1911 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 4094
Date Established 1911
Assets $0.10 billion
Loans $0.03 billion
Deposits $0.08 billion
Capital $0.01 billion

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

Deposit Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 - Learn MoreShow Less
6 Mo CD
0.60% $1,000 - Learn MoreShow Less
12 Mo CD
1.10% $1,000 - Learn MoreShow Less
18 Mo CD
1.41% $1,000 - Learn MoreShow Less
24 Mo CD
1.51% $1,000 - Learn MoreShow Less

Fixed IRA
1.10% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Eufaula

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
Hamilton National Mortgage Co.
NMLS ID: 122701
3.642% 3.625% 0.25 $525 $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.565% 3.500% 0.38 $2,054 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Bank of Eufaula
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Financial Details

Bank of Eufaula Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Eufaula. 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 Eufaula U.S. Bank Average
4.81% 6.77%

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 June 30, 2019, Bank of Eufaula had $227,000 in non-current loans and $441,000 in owned real estate. To cover these potential losses it had $13,460,000 in equity and $425,000 in loans loss reserves. That gives it a Texas Ratio of 4.81%.

Return on Equity
Bank of Eufaula U.S. Bank Average
5.85% 9.50%

Bank of Eufaula has a Return on Equity of 5.85% versus the BestCashCow average of 9.50%. 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 Eufaula U.S. Bank Average
13.93% 12.76%

Bank of Eufaula has a Capitalization of 13.93% versus the BestCashCow average of 12.76. 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 Eufaula Balance Sheet Analysis

As of June 30, 2019, Bank of Eufaula had assets of $96,603,000, loans of $32,627,000, and deposits of $81,423,000. 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

June 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.05 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 $0.08 billion
Total deposits $0.08 billion
      Interest-bearing deposits $0.06 billion
      Deposits held in domestic offices $0.08 billion
      % insured (estimated) 78.52%
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 $0.08 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
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

Bank Loan Profile?

The top three loan types in Bank of Eufaula’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Oklahoma, Bank of Eufaula has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto 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 43.72
Credit Card Loans 0.00
Consumer Auto Loans 9.19
Small Business Loans 13.25
Construction and Development Loans 4.03
Commercial Real Estate 13.25
Commercial and Industrial Loans 9.70
Farm Loans 3.21

Frequently Asked Questions About Bank Of Eufaula

Branches and Savings

Is Bank Of Eufaula FDIC insured?

Yes. It is covered under FDIC Certificate #4094.

Why does Bank Of Eufaula 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 Eufaula CD rates not competitive?

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

Is Bank Of Eufaula a commercial bank?


Where are Bank Of Eufaula locations?

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Does Bank Of Eufaula require US citizenship to open account?

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Does Bank Of Eufaula Use Equifax?

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Does Bank Of Eufaula offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Eufaula offer personal loans?

Compare personal loan rates here.

Does Bank Of Eufaula offer student loans?

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Does Bank Of Eufaula do currency exchange?

Background on The Bank

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Will Bank Of Eufaula accept loose change?

Where is Bank Of Eufaula headquarters?

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