Bank of Franklin County

900 East Eighth Street
Washington, MO 63090

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35543
Date Established 2000
Assets $0.24 billion
Loans $0.19 billion
Deposits $0.21 billion
Capital $0.02 billion

Bank of Franklin County is an FDIC insured institution located in Washington, MO. It was founded in 2000 and has approximately $0.24 billion in assets. Customers can open an account at one of its 5 branches.

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

Compared to other banks in Missouri, Bank of Franklin County has a significantly higher percent of Commercial Real Estate 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.39
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.70
Small Business Loans 12.11
Construction and Development Loans 9.84
Commercial Real Estate 41.04
Commercial and Industrial Loans 11.97
Farm Loans 0.40

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.20% $500 - Learn MoreShow Less
Special: 11 Mo FIRA
1.00% $500 - Learn MoreShow Less
Special: 25 Mo FIRA
0.70% $500 - Learn MoreShow Less
Special: 36 Mo FIRA
1.46% $500 - Learn MoreShow Less
Special: 60 Mo FIRA
1.76% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.15% $1 $4,999 Learn MoreShow Less
MM 10K
0.15% $5,000 $19,999 Learn MoreShow Less
MM 25K
0.15% $20,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
6 Year 2.99% 2.99% $379.73 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Bank of Franklin 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:
Ashburn,Virginia


Bank of Franklin County Locations

Financial Details

Bank of Franklin County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Franklin 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 Franklin County U.S. Bank Average
19.06% 8.32%

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 September 30, 2017, Bank of Franklin County had $2,715,000 in non-current loans and $1,870,000 in owned real estate. To cover these potential losses it had $22,217,000 in equity and $1,835,000 in loans loss reserves. That gives it a Texas Ratio of 19.06%.

Return on Equity
Bank of Franklin County U.S. Bank Average
5.45% 8.84%

Bank of Franklin County has a Return on Equity of 5.45% versus the BestCashCow average of 8.84%. 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 Franklin County U.S. Bank Average
9.3% 12.21%

Bank of Franklin County has a Capitalization of 9.3% versus the BestCashCow average of 12.21. 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 Franklin County Balance Sheet Analysis

As of December 31, 2017, Bank of Franklin County had assets of $239,006,000, loans of $186,761,000, and deposits of $210,338,000. 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

ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.19 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 $0.01 billion
     Total Assets $0.22 billion
LIABILITIES
Total deposits $0.21 billion
      Interest-bearing deposits $0.18 billion
      Deposits held in domestic offices $0.21 billion
      % insured (estimated) 80.35%
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 $0.22 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Franklin County

Branches and Savings

Is Bank Of Franklin County FDIC insured?

Yes. It is covered under FDIC Certificate #35543.

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

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

Is Bank Of Franklin County a commercial bank?

Yes

Where are Bank Of Franklin County locations?

See branch locations nearby.

Is Bank Of Franklin County open on Saturdays?

Is Bank Of Franklin County open on Sundays?

What time does Bank Of Franklin County open?

What time does Bank Of Franklin County close?

Are Bank Of Franklin County ATMs Open 24/7?

Do Bank Of Franklin County ATMs accept cash deposits?

Can Bank Of Franklin County customers use other ATMs?

Do Bank Of Franklin County branches have notaries?

Will Bank Of Franklin County notarize my document?

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

Will the Bank Of Franklin County branch print checks?

Do Bank Of Franklin County checks expire?

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

Can Bank Of Franklin County close my account?

Does Bank Of Franklin County Report to credit bureaus?

Does Bank Of Franklin County Use Equifax?

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

What is Bank Of Franklin County's SWIFT code?

Products

Does Bank Of Franklin County offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Franklin County offer personal loans?

Compare personal loan rates here.

Does Bank Of Franklin County offer student loans?

Will Bank Of Franklin County cash a check?

Will Bank Of Franklin County redeem a savings bond?

Does Bank Of Franklin County cash savings bonds?

Will Bank Of Franklin County cash money orders?

Can Bank Of Franklin County issue a money order?

Does Bank Of Franklin County do currency exchange?

Background on The Bank

Who owns Bank Of Franklin County?

How long has Bank Of Franklin County been around?

Can Bank Of Franklin County transfer to other banks?

Does Bank Of Franklin County have quick pay?

Does Bank Of Franklin County accept rolled coins?

Will Bank Of Franklin County accept loose change?

Where is Bank Of Franklin County headquarters?

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