Bank of Modesto

201 East State Street
Modesto, IL 62667


General Bank Information

FDIC Insured Yes
FDIC Certificate # 17355
Date Established 1891
Assets $0.05 billion
Loans $0.03 billion
Deposits $0.04 billion
Capital $0.01 billion

Bank of Modesto is an FDIC insured institution located in Modesto, IL. It was founded in 1891 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Bank of Modesto'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 Modesto’s loan portfolio are Commercial Real Estate, Farm Loans, and Small Business Loans.

Compared to other banks, Bank of Modesto’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.60
Credit Card Loans 0.00
Consumer Auto Loans 4.59
Small Business Loans 11.84
Construction and Development Loans 0.00
Commercial Real Estate 21.58
Commercial and Industrial Loans 8.75
Farm Loans 12.63

Deposit Rates

Your Current Location: Virginia, VA 20146

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

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Modesto

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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Modesto
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Bank of Modesto branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Bank of Modesto Locations

Financial Details

Bank of Modesto Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Modesto. 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 Modesto U.S. Bank Average
0.75% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Modesto had $42,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,614,000 in equity and $0 in loans loss reserves. That gives it a Texas Ratio of 0.75%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Modesto U.S. Bank Average
-3.39% 8.58

Bank of Modesto has a Return on Equity of -3.39% versus the BestCashCow average of 8.58. 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 Modesto U.S. Bank Average
11.66% 12.11

Bank of Modesto has a Capitalization of 11.66% versus the BestCashCow average of 12.11. 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 Modesto Balance Sheet Analysis

As of June 30, 2017, Bank of Modesto had assets of $48,851,000, loans of $28,755,000, and deposits of $42,996,000. 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 Modesto

Branches and Savings

Is Bank of Modesto FDIC insured?

Yes. It is covered under FDIC Certificate #17355.

Why does Bank of Modesto 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 Modesto CD rates not competitive?

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

Is Bank of Modesto a commercial bank?


Where are Bank of Modesto locations?

See branch locations nearby.

Is Bank of Modesto open on Saturdays?

Is Bank of Modesto open on Sundays?

What time does Bank of Modesto open?

What time does Bank of Modesto close?

Are Bank of Modesto ATMs Open 24/7?

Do Bank of Modesto ATMs accept cash deposits?

Can Bank of Modesto customers use other ATMs?

Do Bank of Modesto branches have notaries?

Will Bank of Modesto notarize my document?

What address for Bank of Modesto should I put for incoming ACH transfers?

Will the Bank of Modesto branch print checks?

Do Bank of Modesto checks expire?

Does Bank of Modesto require US citizenship to open account?

Can Bank of Modesto close my account?

Does Bank of Modesto Report to credit bureaus?

Does Bank of Modesto Use Equifax?

What is Bank of Modesto's ACH Routing Number?

What is Bank of Modesto's SWIFT code?


Does Bank of Modesto offer mortgages?

Compare mortgage rates here.

Does Bank of Modesto offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Modesto offer personal loans?

Compare personal loan rates here.

Does Bank of Modesto offer student loans?

Will Bank of Modesto cash a check?

Will Bank of Modesto redeem a savings bond?

Does Bank of Modesto cash savings bonds?

Will Bank of Modesto cash money orders?

Can Bank of Modesto issue a money order?

Does Bank of Modesto do currency exchange?

Background on The Bank

Who owns Bank of Modesto?

How long has Bank of Modesto been around?

Can Bank of Modesto transfer to other banks?

Does Bank of Modesto have quick pay?

Does Bank of Modesto accept rolled coins?

Will Bank of Modesto accept loose change?

Where is Bank of Modesto headquarters?

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