Bank of Moundville


319 Market St
Moundville, AL 35474
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Bank of Moundville is an FDIC insured institution located in Moundville, AL. It was founded in 1907 and has approximately $0.11 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9057
Date Established 1907
Assets $ 105.79 million
Loans $ 34.72 million
Deposits $ 95.97 million
Capital $ 9.48 million

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

Deposit Rates - October 15, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - October 15, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Moundville

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 2021

Lender APR Rate (%) Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.738% 2.690%
0.63 points
$1,562 fees
$1,013 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Bank of Moundville
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Climate Initiatives

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Financial Details

Bank of Moundville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Moundville. 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 Moundville U.S. Bank Average
0% 4.78%

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 June 30, 2021, Bank of Moundville had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,480,000 in equity and $432,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Bank of Moundville U.S. Bank Average
6.17% 11.29%

Bank of Moundville has a Return on Equity of 6.17% versus the BestCashCow average of 11.29%. 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 Moundville U.S. Bank Average
8.96% 11.72%

Bank of Moundville has a Capitalization of 8.96% versus the BestCashCow average of 11.72. 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 Moundville Balance Sheet Analysis

As of June 30, 2021, Bank of Moundville had assets of $105,792,000, loans of $34,722,000, and deposits of $95,972,000. 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

June 30, 2021
Cash & Balances due from depository institutions $ 2.90 million
Interest-bearing balances $ 0.25 million
Total securities $ 64.51 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 34.72 million
Loan loss allowance $ 0.43 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.55 million
     Total Assets $ 96.31 million
Total deposits $ 95.97 million
      Interest-bearing deposits $ 70.44 million
      Deposits held in domestic offices $ 95.97 million
      % insured (estimated) 68.48%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.34 million
      Total Liabilities $ 96.31 million
      Shareholders’ Equity $ 9.48 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 1.47 million
Total Interest Expense $ 0.27 million
Net interest income $ 1.20 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.14 million
Total non interest expense $ 1.02 million
Pre-tax Net Operating Income $ 0.32 million

Bank Loan Profile?

The top three loan types in Bank of Moundville’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks, Bank of Moundville’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 35.25
Credit Card Loans 0.00
Consumer Auto Loans 1.70
Small Business Loans 20.96
Construction and Development Loans 3.53
Commercial Real Estate 20.96
Commercial and Industrial Loans 26.30
Farm Loans 0.00

Frequently Asked Questions About Bank Of Moundville

Branches and Savings

Is Bank Of Moundville FDIC insured?

Yes. It is covered under FDIC Certificate #9057.

Why does Bank Of Moundville 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 Moundville CD rates not competitive?

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

Is Bank Of Moundville a commercial bank?


Where are Bank Of Moundville locations?

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Is Bank Of Moundville open on Saturdays?

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Are Bank Of Moundville ATMs Open 24/7?

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Will Bank Of Moundville notarize my document?

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

Will the Bank Of Moundville branch print checks?

Do Bank Of Moundville checks expire?

Does Bank Of Moundville require US citizenship to open account?

Can Bank Of Moundville close my account?

Does Bank Of Moundville Report to credit bureaus?

Does Bank Of Moundville Use Equifax?

What is Bank Of Moundville's ACH Routing Number?

What is Bank Of Moundville's SWIFT code?


Does Bank Of Moundville offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Moundville offer personal loans?

Compare personal loan rates here.

Does Bank Of Moundville offer student loans?

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Background on The Bank

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Can Bank Of Moundville transfer to other banks?

Does Bank Of Moundville have quick pay?

Does Bank Of Moundville accept rolled coins?

Will Bank Of Moundville accept loose change?

Where is Bank Of Moundville headquarters?

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