Bank of Grandin

403 5th Street
Grandin, MO 63943

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9392
Date Established 1913
Assets $0.15 billion
Loans $0.09 billion
Deposits $0.13 billion
Capital $0.02 billion

Bank of Grandin is an FDIC insured institution located in Grandin, MO. It was founded in 1913 and has approximately $0.15 billion in assets. Customers can open an account at one of its 4 branches.

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

Compared to other banks in Missouri, Bank of Grandin has a significantly higher percent of 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.90
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 6.01
Small Business Loans 0.00
Construction and Development Loans 1.51
Commercial Real Estate 29.33
Commercial and Industrial Loans 19.02
Farm Loans 8.22

Deposit Rates

Your Current Location: Virginia, VA 20146

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

2.00% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Grandin

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Bank of Grandin
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Branches

Bank of Grandin 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 Grandin Locations

Financial Details

Bank of Grandin Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Grandin. 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 Grandin U.S. Bank Average
13.26% 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 Grandin had $2,739,000 in non-current loans and $676,000 in owned real estate. To cover these potential losses it had $24,644,000 in equity and $1,103,000 in loans loss reserves. That gives it a Texas Ratio of 13.26%.

Return on Equity
Bank of Grandin U.S. Bank Average
7.52% 8.84%

Bank of Grandin has a Return on Equity of 7.52% 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 Grandin U.S. Bank Average
16.09% 12.21%

Bank of Grandin has a Capitalization of 16.09% 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 Grandin Balance Sheet Analysis

As of September 30, 2017, Bank of Grandin had assets of $153,117,000, loans of $86,037,000, and deposits of $127,922,000. 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.

Frequently Asked Questions About Bank Of Grandin

Branches and Savings

Is Bank Of Grandin FDIC insured?

Yes. It is covered under FDIC Certificate #9392.

Why does Bank Of Grandin 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 Grandin CD rates not competitive?

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

Is Bank Of Grandin a commercial bank?

Yes

Where are Bank Of Grandin locations?

See branch locations nearby.

Is Bank Of Grandin open on Saturdays?

Is Bank Of Grandin open on Sundays?

What time does Bank Of Grandin open?

What time does Bank Of Grandin close?

Are Bank Of Grandin ATMs Open 24/7?

Do Bank Of Grandin ATMs accept cash deposits?

Can Bank Of Grandin customers use other ATMs?

Do Bank Of Grandin branches have notaries?

Will Bank Of Grandin notarize my document?

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

Will the Bank Of Grandin branch print checks?

Do Bank Of Grandin checks expire?

Does Bank Of Grandin require US citizenship to open account?

Can Bank Of Grandin close my account?

Does Bank Of Grandin Report to credit bureaus?

Does Bank Of Grandin Use Equifax?

What is Bank Of Grandin's ACH Routing Number?

What is Bank Of Grandin's SWIFT code?

Products

Does Bank Of Grandin offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Grandin offer personal loans?

Compare personal loan rates here.

Does Bank Of Grandin offer student loans?

Will Bank Of Grandin cash a check?

Will Bank Of Grandin redeem a savings bond?

Does Bank Of Grandin cash savings bonds?

Will Bank Of Grandin cash money orders?

Can Bank Of Grandin issue a money order?

Does Bank Of Grandin do currency exchange?

Background on The Bank

Who owns Bank Of Grandin?

How long has Bank Of Grandin been around?

Can Bank Of Grandin transfer to other banks?

Does Bank Of Grandin have quick pay?

Does Bank Of Grandin accept rolled coins?

Will Bank Of Grandin accept loose change?

Where is Bank Of Grandin headquarters?

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