Bank of Ruston

505 North Vienna Street
Ruston, LA 71270


General Bank Information

FDIC Insured Yes
FDIC Certificate # 29700
Date Established 1905
Assets $0.28 billion
Loans $0.24 billion
Deposits $0.23 billion
Capital $0.03 billion

Bank of Ruston is an FDIC insured institution located in Ruston, LA. It was founded in 1905 and has approximately $0.28 billion in assets. Customers can open an account at one of its 3 branches.

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

Compared to other banks, Bank of Ruston’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 47.42
Credit Card Loans 0.00
Consumer Auto Loans 1.14
Small Business Loans 13.24
Construction and Development Loans 11.71
Commercial Real Estate 27.01
Commercial and Industrial Loans 8.22
Farm Loans 0.32

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.30% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
0.60% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.55% $1 $249,999 Learn MoreShow Less
MM 10K
0.25% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $1 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Ruston

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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.447% 4.375% 0.50 $2,244 $1,249 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Rocket Mortgage
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Bank of Ruston
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Bank of Ruston branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Bank of Ruston Locations

Financial Details

Bank of Ruston Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Ruston. 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 Ruston U.S. Bank Average
2.69% 8.32%

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 September 30, 2017, Bank of Ruston had $749,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $25,879,000 in equity and $1,968,000 in loans loss reserves. That gives it a Texas Ratio of 2.69%.

Return on Equity
Bank of Ruston U.S. Bank Average
9.54% 8.84%

Bank of Ruston has a Return on Equity of 9.54% versus the BestCashCow average of 8.84%. 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 Ruston U.S. Bank Average
9.12% 12.21%

Bank of Ruston has a Capitalization of 9.12% versus the BestCashCow average of 12.21. 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 Ruston Balance Sheet Analysis

As of December 31, 2017, Bank of Ruston had assets of $283,611,000, loans of $237,449,000, and deposits of $229,796,000. 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

Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.03 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.24 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 $0.01 billion
     Total Assets $0.26 billion
Total deposits $0.23 billion
      Interest-bearing deposits $0.20 billion
      Deposits held in domestic offices $0.23 billion
      % insured (estimated) 69.86%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.26 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Ruston

Branches and Savings

Is Bank Of Ruston FDIC insured?

Yes. It is covered under FDIC Certificate #29700.

Why does Bank Of Ruston 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 Ruston CD rates not competitive?

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

Is Bank Of Ruston a commercial bank?


Where are Bank Of Ruston locations?

See branch locations nearby.

Is Bank Of Ruston open on Saturdays?

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Are Bank Of Ruston ATMs Open 24/7?

Do Bank Of Ruston ATMs accept cash deposits?

Can Bank Of Ruston customers use other ATMs?

Do Bank Of Ruston branches have notaries?

Will Bank Of Ruston notarize my document?

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

Will the Bank Of Ruston branch print checks?

Do Bank Of Ruston checks expire?

Does Bank Of Ruston require US citizenship to open account?

Can Bank Of Ruston close my account?

Does Bank Of Ruston Report to credit bureaus?

Does Bank Of Ruston Use Equifax?

What is Bank Of Ruston's ACH Routing Number?

What is Bank Of Ruston's SWIFT code?


Does Bank Of Ruston offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Ruston offer personal loans?

Compare personal loan rates here.

Does Bank Of Ruston offer student loans?

Will Bank Of Ruston cash a check?

Will Bank Of Ruston redeem a savings bond?

Does Bank Of Ruston cash savings bonds?

Will Bank Of Ruston cash money orders?

Can Bank Of Ruston issue a money order?

Does Bank Of Ruston do currency exchange?

Background on The Bank

Who owns Bank Of Ruston?

How long has Bank Of Ruston been around?

Can Bank Of Ruston transfer to other banks?

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Will Bank Of Ruston accept loose change?

Where is Bank Of Ruston headquarters?

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