Bank of Orchard

145 E 2nd St
Orchard, NE 68764

Notable Rates APY Vs.Others
Savings 0.50% 2.20% →
1-Year CD 1.75% 2.20% →
2-Year CD 2.00% 2.65% →
5-Year CD 2.51% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Bank of Orchard is an FDIC insured institution located in Orchard, NE. It was founded in 1950 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16905
Date Established 1950
Assets $0.02 billion
Loans $0.01 billion
Deposits $0.02 billion
Capital $0.00 billion

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

Deposit Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.75% $500 $99,999 Learn MoreShow Less
3 Mo CD
1.00% $100,000 - Learn MoreShow Less
1.00% $500 $99,999 Learn MoreShow Less
6 Mo CD
1.25% $100,000 - Learn MoreShow Less
1.50% $500 $99,999 Learn MoreShow Less
12 Mo CD
1.75% $100,000 - Learn MoreShow Less
1.50% $500 $99,999 Learn MoreShow Less
18 Mo CD
1.75% $100,000 - Learn MoreShow Less
1.75% $500 $99,999 Learn MoreShow Less
24 Mo CD
2.00% $100,000 - Learn MoreShow Less
1.75% $500 $99,999 Learn MoreShow Less
2.01% $500 $99,999 Learn MoreShow Less
36 Mo CD
2.26% $100,000 - Learn MoreShow Less
2.16% $500 $99,999 Learn MoreShow Less
48 Mo CD
2.41% $100,000 - Learn MoreShow Less
2.26% $500 $99,999 Learn MoreShow Less
60 Mo CD
2.51% $100,000 - Learn MoreShow Less

1.50% $500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.25% $1,000 $2,499 Learn MoreShow Less
Int Ckg
0.50% $2,500 - Learn MoreShow Less

Loan Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Orchard

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: MC-3098
3.156% 3.125% 0.38 $978 $1,071 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Bank of Orchard
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Bank of Orchard Locations

Financial Details

Bank of Orchard Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Orchard. 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 Orchard U.S. Bank Average
0.18% 6.70%

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 September 30, 2019, Bank of Orchard had $7,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,645,000 in equity and $200,000 in loans loss reserves. That gives it a Texas Ratio of 0.18%.

Return on Equity
Bank of Orchard U.S. Bank Average
5.3% 9.72%

Bank of Orchard has a Return on Equity of 5.3% versus the BestCashCow average of 9.72%. 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 Orchard U.S. Bank Average
14.84% 12.89%

Bank of Orchard has a Capitalization of 14.84% versus the BestCashCow average of 12.89. 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 Orchard Balance Sheet Analysis

As of September 30, 2019, Bank of Orchard had assets of $24,568,000, loans of $8,314,000, and deposits of $20,848,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.01 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 $0.00 billion
     Total Assets $0.02 billion
Total deposits $0.02 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.02 billion
      % insured (estimated) 78.03%
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 $0.02 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

September 30, 2019
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

Bank Loan Profile?

The top three loan types in Bank of Orchard’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Nebraska, Bank of Orchard has a significantly higher percent of Commercial and Industrial Loans, Farm Loans 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.53
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 1.15
Commercial and Industrial Loans 26.44
Farm Loans 54.86

Frequently Asked Questions About Bank Of Orchard

Branches and Savings

Is Bank Of Orchard FDIC insured?

Yes. It is covered under FDIC Certificate #16905.

Why does Bank Of Orchard 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 Orchard CD rates not competitive?

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

Is Bank Of Orchard a commercial bank?


Where are Bank Of Orchard locations?

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Will the Bank Of Orchard branch print checks?

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Does Bank Of Orchard require US citizenship to open account?

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Does Bank Of Orchard offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Orchard offer personal loans?

Compare personal loan rates here.

Does Bank Of Orchard offer student loans?

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Background on The Bank

Who owns Bank Of Orchard?

How long has Bank Of Orchard been around?

Can Bank Of Orchard transfer to other banks?

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Where is Bank Of Orchard headquarters?

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