Bank of Eufaula


102 North Main
Eufaula, OK 74432
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Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.45% 0.75% →
2-Year CD 0.55% 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bank of Eufaula is an FDIC insured institution located in Eufaula, OK. It was founded in 1911 and has approximately $0.11 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 4094
Date Established 1911
Assets $ 111.58 million
Loans $ 25.98 million
Deposits $ 96.94 million
Capital $ 13.45 million

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 - October 15, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 15, 2021

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 2021

Lender APR Rate (%) Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
2.952% 2.875%
1.00 points
$2,500 fees
$1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$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
4.19% 4.78%

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 June 30, 2021, Bank of Eufaula had $271,000 in non-current loans and $307,000 in owned real estate. To cover these potential losses it had $13,447,000 in equity and $336,000 in loans loss reserves. That gives it a Texas Ratio of 4.19%.

Return on Equity
Bank of Eufaula U.S. Bank Average
2.89% 11.29%

Bank of Eufaula has a Return on Equity of 2.89% versus the BestCashCow average of 11.29%. 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
12.05% 11.72%

Bank of Eufaula has a Capitalization of 12.05% versus the BestCashCow average of 11.72. 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, 2021, Bank of Eufaula had assets of $111,582,000, loans of $25,976,000, and deposits of $96,942,000. 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, 2021
Cash & Balances due from depository institutions $ 8.16 million
Interest-bearing balances $ 2.80 million
Total securities $ 49.39 million
Federal funds sold and reverse repurchase $ 21.65 million
Net loans and leases $ 25.98 million
Loan loss allowance $ 0.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.31 million
Goodwill and other intangibles N.A.
All other assets $ 4.86 million
     Total Assets $ 98.14 million
Total deposits $ 96.94 million
      Interest-bearing deposits $ 65.74 million
      Deposits held in domestic offices $ 96.94 million
      % insured (estimated) 70.94%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.19 million
      Total Liabilities $ 98.14 million
      Shareholders’ Equity $ 13.45 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 1.28 million
Total Interest Expense $ 0.07 million
Net interest income $ 1.22 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.25 million
Total non interest expense $ 1.26 million
Pre-tax Net Operating Income $ 0.24 million

Bank Loan Profile?

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

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 45.34
Credit Card Loans 0.00
Consumer Auto Loans 9.42
Small Business Loans 12.50
Construction and Development Loans 2.33
Commercial Real Estate 12.50
Commercial and Industrial Loans 8.75
Farm Loans 4.02

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?


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Does Bank Of Eufaula require US citizenship to open account?

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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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Background on The Bank

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