BOM Bank

814 Washington Street
Natchitoches, LA 71457

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1373
Date Established 1903
Assets $0.40 billion
Loans $0.32 billion
Deposits $0.36 billion
Capital $0.04 billion

BOM Bank is an FDIC insured institution located in Natchitoches, LA. It was founded in 1903 and has approximately $0.4 billion in assets. Customers can open an account at one of its 15 branches.

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

Compared to other banks, BOM Bank’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 33.34
Multifamily
Mortgages
1.33
Credit Card Loans 0.00
Consumer Auto Loans 0.40
Small Business Loans 0.00
Construction and Development Loans 8.45
Commercial Real Estate 36.11
Commercial and Industrial Loans 10.94
Farm Loans 0.89

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.15% $500 - Learn MoreShow Less
6 Mo CD 10K
0.25% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
1.00% $200 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.35% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.40% $1,500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BOM Bank

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
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.796% 4.750% 0.00 $1,325 $1,305 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,190 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to BOM Bank
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Branches

BOM Bank 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


BOM Bank Locations

Financial Details

BOM Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BOM Bank. 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
BOM Bank U.S. Bank Average
10.81% 7.92%

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 March 31, 2018, BOM Bank had $3,817,000 in non-current loans and $463,000 in owned real estate. To cover these potential losses it had $38,161,000 in equity and $1,425,000 in loans loss reserves. That gives it a Texas Ratio of 10.81%.

Return on Equity
BOM Bank U.S. Bank Average
18.77% 9.35%

BOM Bank has a Return on Equity of 18.77% versus the BestCashCow average of 9.35%. 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
BOM Bank U.S. Bank Average
9.49% 12.01%

BOM Bank has a Capitalization of 9.49% versus the BestCashCow average of 12.01. 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.

BOM Bank Balance Sheet Analysis

As of March 31, 2018, BOM Bank had assets of $402,248,000, loans of $321,298,000, and deposits of $362,584,000. 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 $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.02 billion
Net loans and leases $0.32 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 $0.36 billion
LIABILITIES
Total deposits $0.36 billion
      Interest-bearing deposits $0.29 billion
      Deposits held in domestic offices $0.36 billion
      % insured (estimated) 71.51%
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 $0.36 billion
      Shareholders’ Equity $0.04 billion

Summary Income Statement

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

Frequently Asked Questions About Bom Bank

Branches and Savings

Is Bom Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1373.

Why does Bom Bank pay such low interest on savings accounts?

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

Why are Bom Bank CD rates not competitive?

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

Is Bom Bank a commercial bank?

Yes

Where are Bom Bank locations?

See branch locations nearby.

Is Bom Bank open on Saturdays?

Is Bom Bank open on Sundays?

What time does Bom Bank open?

What time does Bom Bank close?

Are Bom Bank ATMs Open 24/7?

Do Bom Bank ATMs accept cash deposits?

Can Bom Bank customers use other ATMs?

Do Bom Bank branches have notaries?

Will Bom Bank notarize my document?

What address for Bom Bank should I put for incoming ACH transfers?

Will the Bom Bank branch print checks?

Do Bom Bank checks expire?

Does Bom Bank require US citizenship to open account?

Can Bom Bank close my account?

Does Bom Bank Report to credit bureaus?

Does Bom Bank Use Equifax?

What is Bom Bank's ACH Routing Number?

What is Bom Bank's SWIFT code?

Products

Does Bom Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bom Bank offer personal loans?

Compare personal loan rates here.

Does Bom Bank offer student loans?

Will Bom Bank cash a check?

Will Bom Bank redeem a savings bond?

Does Bom Bank cash savings bonds?

Will Bom Bank cash money orders?

Can Bom Bank issue a money order?

Does Bom Bank do currency exchange?

Background on The Bank

Who owns Bom Bank?

How long has Bom Bank been around?

Can Bom Bank transfer to other banks?

Does Bom Bank have quick pay?

Does Bom Bank accept rolled coins?

Will Bom Bank accept loose change?

Where is Bom Bank headquarters?

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