Bank of Moundville

Headquarters

319 Market St
Moundville, AL 35474
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.00% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
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 Moundville is an FDIC insured institution located in Moundville, AL. It was founded in 1907 and has approximately $0.09 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9057
Date Established 1907
Assets $ 87.75 million
Loans $ 25.01 million
Deposits $ 77.05 million
Capital $ 9.51 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 1, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 1, 2020

Your Current Location: Connecticut, CT 06828

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:




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Note to Bank of Moundville
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Branches

Bank of Moundville 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:
Fairfield,Connecticut


Bank of Moundville Locations


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 BestCashCow.com 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
2.76% 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 Moundville had $21,000 in non-current loans and $249,000 in owned real estate. To cover these potential losses it had $9,509,000 in equity and $259,000 in loans loss reserves. That gives it a Texas Ratio of 2.76%.

Return on Equity
Bank of Moundville U.S. Bank Average
6.47% 7.80%

Bank of Moundville has a Return on Equity of 6.47% 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 Moundville U.S. Bank Average
10.84% 12.68%

Bank of Moundville has a Capitalization of 10.84% 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 Moundville Balance Sheet Analysis

As of March 31, 2020, Bank of Moundville had assets of $87,748,000, loans of $25,007,000, and deposits of $77,053,000. 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 $ 2.06 million
Interest-bearing balances $ 0.25 million
Total securities $ 56.60 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 25.01 million
Loan loss allowance $ 0.26 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.25 million
Goodwill and other intangibles N.A.
All other assets $ 1.66 million
     Total Assets $ 78.24 million
LIABILITIES
Total deposits $ 77.05 million
      Interest-bearing deposits $ 61.74 million
      Deposits held in domestic offices $ 77.05 million
      % insured (estimated) 75.15%
Federal funds purchased and repurchase agreements $ 0.98 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.20 million
      Total Liabilities $ 78.24 million
      Shareholders’ Equity $ 9.51 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.69 million
Total Interest Expense $ 0.18 million
Net interest income $ 0.51 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.08 million
Total non interest expense $ 0.50 million
Pre-tax Net Operating Income $ 0.10 million

Bank Loan Profile?

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

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 17.45
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.86
Small Business Loans 0.00
Construction and Development Loans 2.62
Commercial Real Estate 33.85
Commercial and Industrial Loans 23.63
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?

Yes

Where are Bank Of Moundville locations?

See branch locations nearby.

Is Bank Of Moundville open on Saturdays?

Is Bank Of Moundville open on Sundays?

What time does Bank Of Moundville open?

What time does Bank Of Moundville close?

Are Bank Of Moundville ATMs Open 24/7?

Do Bank Of Moundville ATMs accept cash deposits?

Can Bank Of Moundville customers use other ATMs?

Do Bank Of Moundville branches have notaries?

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?

Products

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?

Will Bank Of Moundville cash a check?

Will Bank Of Moundville redeem a savings bond?

Does Bank Of Moundville cash savings bonds?

Will Bank Of Moundville cash money orders?

Can Bank Of Moundville issue a money order?

Does Bank Of Moundville do currency exchange?

Background on The Bank

Who owns Bank Of Moundville?

How long has Bank Of Moundville been around?

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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