Bank of Prescott

East 2nd And Main Streets
Prescott, AR 71857


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 101
Date Established 1904
Assets $0.07 billion
Loans $0.04 billion
Deposits $0.06 billion
Capital $0.01 billion

Bank of Prescott is an FDIC insured institution located in Prescott, AR. It was founded in 1904 and has approximately $0.07 billion in assets.

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

Compared to other banks in Arkansas, Bank of Prescott has a significantly higher percent of Commercial and Industrial 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 33.27
Credit Card Loans 0.00
Consumer Auto Loans 4.28
Small Business Loans 8.93
Construction and Development Loans 0.11
Commercial Real Estate 8.93
Commercial and Industrial Loans 27.94
Farm Loans 4.56

Deposit Rates - June 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Prescott, but see these great savings and CD rates:

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Loan Rates - June 19, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Prescott

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 2019

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First Internet Bank
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3.770% 3.750% 0.25 $600 $1,158 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

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Third Federal Savings and Loans
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4.490 %
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PenFed Credit Union
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Note to Bank of Prescott
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Financial Details

Bank of Prescott Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Prescott. 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 Prescott U.S. Bank Average
3.28% 6.97%

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 December 31, 2018, Bank of Prescott had $341,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,793,000 in equity and $605,000 in loans loss reserves. That gives it a Texas Ratio of 3.28%.

Return on Equity
Bank of Prescott U.S. Bank Average
-11.64% 8.80%

Bank of Prescott has a Return on Equity of -11.64% versus the BestCashCow average of 8.80%. 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.

Bank of Prescott U.S. Bank Average
13.42% 12.29%

Bank of Prescott has a Capitalization of 13.42% versus the BestCashCow average of 12.29. 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 Prescott Balance Sheet Analysis

As of December 31, 2018, Bank of Prescott had assets of $72,967,000, loans of $37,738,000, and deposits of $58,924,000. 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

December 31, 2018
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 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 $0.06 billion
Total deposits $0.06 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 91.71%
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 $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
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 Bank Of Prescott

Branches and Savings

Is Bank Of Prescott FDIC insured?

Yes. It is covered under FDIC Certificate #101.

Why does Bank Of Prescott 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 Prescott CD rates not competitive?

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

Is Bank Of Prescott a commercial bank?


Where are Bank Of Prescott locations?

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Is Bank Of Prescott open on Saturdays?

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Does Bank Of Prescott require US citizenship to open account?

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Does Bank Of Prescott offer mortgages?

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

Compare home equity lines of credit rates here.

Does Bank Of Prescott offer personal loans?

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Does Bank Of Prescott offer student loans?

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Background on The Bank

Who owns Bank Of Prescott?

How long has Bank Of Prescott been around?

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