Bank of Kampsville

Headquarters

Broadway And North Street
Kampsville, IL 62053
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank of Kampsville is an FDIC insured institution located in Kampsville, IL. It was founded in 1908 and has approximately $0.11 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 11750
Date Established 1908
Assets $ 113.55 million
Loans $ 52.63 million
Deposits $ 93.07 million
Capital $ 19.95 million
 

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

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98109


Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bank of Kampsville

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Bank of Kampsville
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Branches

Bank of Kampsville 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:
Seattle,Washington


Bank of Kampsville Locations


Financial Details

Bank of Kampsville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Kampsville. 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 Kampsville U.S. Bank Average
5.12% 6.94%

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 March 31, 2020, Bank of Kampsville had $997,000 in non-current loans and $45,000 in owned real estate. To cover these potential losses it had $19,954,000 in equity and $398,000 in loans loss reserves. That gives it a Texas Ratio of 5.12%.

Return on Equity
Bank of Kampsville U.S. Bank Average
4.69% 7.80%

Bank of Kampsville has a Return on Equity of 4.69% versus the BestCashCow average of 7.80%. 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 Kampsville U.S. Bank Average
17.57% 12.68%

Bank of Kampsville has a Capitalization of 17.57% versus the BestCashCow average of 12.68. 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 Kampsville Balance Sheet Analysis

As of March 31, 2020, Bank of Kampsville had assets of $113,549,000, loans of $52,626,000, and deposits of $93,068,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 6.75 million
Interest-bearing balances $ 4.98 million
Total securities $ 42.11 million
Federal funds sold and reverse repurchase $ 6.78 million
Net loans and leases $ 52.63 million
Loan loss allowance $ 0.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.05 million
Goodwill and other intangibles N.A.
All other assets $ 4.75 million
     Total Assets $ 93.60 million
LIABILITIES
Total deposits $ 93.07 million
      Interest-bearing deposits $ 71.93 million
      Deposits held in domestic offices $ 93.07 million
      % insured (estimated) 92.29%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.53 million
      Total Liabilities $ 93.60 million
      Shareholders’ Equity $ 19.95 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.93 million
Total Interest Expense $ 0.15 million
Net interest income $ 0.78 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.09 million
Total non interest expense $ 0.57 million
Pre-tax Net Operating Income $ 0.30 million

Bank Loan Profile?

The top three loan types in Bank of Kampsville’s loan portfolio are 1-4 Family Residential Loans, Consumer Auto Loans, and Commercial and Industrial Loans.

Compared to other banks, Bank of Kampsville’s loan portfolio does not show any specific loan specialty.

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 39.24
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 9.33
Small Business Loans 0.00
Construction and Development Loans 0.40
Commercial Real Estate 6.02
Commercial and Industrial Loans 6.33
Farm Loans 5.97

Frequently Asked Questions About Bank Of Kampsville

Branches and Savings

Is Bank Of Kampsville FDIC insured?

Yes. It is covered under FDIC Certificate #11750.

Why does Bank Of Kampsville 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 Kampsville CD rates not competitive?

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

Is Bank Of Kampsville a commercial bank?

Yes

Where are Bank Of Kampsville locations?

See branch locations nearby.

Is Bank Of Kampsville open on Saturdays?

Is Bank Of Kampsville open on Sundays?

What time does Bank Of Kampsville open?

What time does Bank Of Kampsville close?

Are Bank Of Kampsville ATMs Open 24/7?

Do Bank Of Kampsville ATMs accept cash deposits?

Can Bank Of Kampsville customers use other ATMs?

Do Bank Of Kampsville branches have notaries?

Will Bank Of Kampsville notarize my document?

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

Will the Bank Of Kampsville branch print checks?

Do Bank Of Kampsville checks expire?

Does Bank Of Kampsville require US citizenship to open account?

Can Bank Of Kampsville close my account?

Does Bank Of Kampsville Report to credit bureaus?

Does Bank Of Kampsville Use Equifax?

What is Bank Of Kampsville's ACH Routing Number?

What is Bank Of Kampsville's SWIFT code?

Products

Does Bank Of Kampsville offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Kampsville offer personal loans?

Compare personal loan rates here.

Does Bank Of Kampsville offer student loans?

Will Bank Of Kampsville cash a check?

Will Bank Of Kampsville redeem a savings bond?

Does Bank Of Kampsville cash savings bonds?

Will Bank Of Kampsville cash money orders?

Can Bank Of Kampsville issue a money order?

Does Bank Of Kampsville do currency exchange?

Background on The Bank

Who owns Bank Of Kampsville?

How long has Bank Of Kampsville been around?

Can Bank Of Kampsville transfer to other banks?

Does Bank Of Kampsville have quick pay?

Does Bank Of Kampsville accept rolled coins?

Will Bank Of Kampsville accept loose change?

Where is Bank Of Kampsville headquarters?

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