Bank of Ohio County, Inc.

1500 Bill Monroe Memorial Boulevard
Beaver Dam, KY 42320

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9304
Date Established 1922
Assets $0.10 billion
Loans $0.04 billion
Deposits $0.07 billion
Capital $0.02 billion

Bank of Ohio County, Inc. is an FDIC insured institution located in Beaver Dam, KY. It was founded in 1922 and has approximately $0.08 billion in assets.

For a more detailed analysis of Bank of Ohio County, Inc.'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 Ohio County, Inc.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Kentucky, Bank of Ohio County, Inc. has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

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 32.44
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.65
Small Business Loans 27.06
Construction and Development Loans 0.69
Commercial Real Estate 43.12
Commercial and Industrial Loans 13.73
Farm Loans 0.41

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Ohio County, Inc., but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Ohio County, Inc.

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
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $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 Ohio County, Inc.
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Branches

Bank of Ohio County, Inc. 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


Bank Of Ohio County, Inc. Locations

Financial Details

Bank of Ohio County, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Ohio County, Inc.. 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 Ohio County, Inc. U.S. Bank Average
2.29% 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 Ohio County, Inc. had $0 in non-current loans and $476,000 in owned real estate. To cover these potential losses it had $20,460,000 in equity and $306,000 in loans loss reserves. That gives it a Texas Ratio of 2.29%. 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 Ohio County, Inc. U.S. Bank Average
6.08% 8.58

Bank of Ohio County, Inc. has a Return on Equity of 6.08% 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.

Capitalization
Bank of Ohio County, Inc. U.S. Bank Average
21.46% 12.11

Bank of Ohio County, Inc. has a Capitalization of 21.46% 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 Ohio County, Inc. Balance Sheet Analysis

As of March 31, 2015, Bank of Ohio County, Inc. had assets of $82,681,000, loans of $36,980,000, and deposits of $74,371,000. 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 Ohio County, Inc.

Branches and Savings

Is Bank of Ohio County, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #9304.

Why does Bank of Ohio County, Inc. 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 Ohio County, Inc. CD rates not competitive?

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

Is Bank of Ohio County, Inc. a commercial bank?

Yes

Where are Bank of Ohio County, Inc. locations?

See branch locations nearby.

Is Bank of Ohio County, Inc. open on Saturdays?

Is Bank of Ohio County, Inc. open on Sundays?

What time does Bank of Ohio County, Inc. open?

What time does Bank of Ohio County, Inc. close?

Are Bank of Ohio County, Inc. ATMs Open 24/7?

Do Bank of Ohio County, Inc. ATMs accept cash deposits?

Can Bank of Ohio County, Inc. customers use other ATMs?

Do Bank of Ohio County, Inc. branches have notaries?

Will Bank of Ohio County, Inc. notarize my document?

What address for Bank of Ohio County, Inc. should I put for incoming ACH transfers?

Will the Bank of Ohio County, Inc. branch print checks?

Do Bank of Ohio County, Inc. checks expire?

Does Bank of Ohio County, Inc. require US citizenship to open account?

Can Bank of Ohio County, Inc. close my account?

Does Bank of Ohio County, Inc. Report to credit bureaus?

Does Bank of Ohio County, Inc. Use Equifax?

What is Bank of Ohio County, Inc.'s ACH Routing Number?

What is Bank of Ohio County, Inc.'s SWIFT code?

Products

Does Bank of Ohio County, Inc. offer mortgages?

Compare mortgage rates here.

Does Bank of Ohio County, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Ohio County, Inc. offer personal loans?

Compare personal loan rates here.

Does Bank of Ohio County, Inc. offer student loans?

Will Bank of Ohio County, Inc. cash a check?

Will Bank of Ohio County, Inc. redeem a savings bond?

Does Bank of Ohio County, Inc. cash savings bonds?

Will Bank of Ohio County, Inc. cash money orders?

Can Bank of Ohio County, Inc. issue a money order?

Does Bank of Ohio County, Inc. do currency exchange?

Background on The Bank

Who owns Bank of Ohio County, Inc.?

How long has Bank of Ohio County, Inc. been around?

Can Bank of Ohio County, Inc. transfer to other banks?

Does Bank of Ohio County, Inc. have quick pay?

Does Bank of Ohio County, Inc. accept rolled coins?

Will Bank of Ohio County, Inc. accept loose change?

Where is Bank of Ohio County, Inc. headquarters?

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