Bank of St. Augustine

120 State Road 312 West
Saint Augustine, FL 32086

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34413
Date Established 1997
Assets $0.16 billion
Loans $0.12 billion
Deposits $0.14 billion
Capital $0.01 billion

Bank of St. Augustine is an FDIC insured institution located in Saint Augustine, FL. It was founded in 1997 and has approximately $0.16 billion in assets.

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

Compared to other banks in Florida, Bank of St. Augustine has a significantly higher percent of 1-4 Family Residential Loans, Small Business 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 53.58
Multifamily
Mortgages
1.99
Credit Card Loans 0.00
Consumer Auto Loans 0.20
Small Business Loans 26.12
Construction and Development Loans 6.27
Commercial Real Estate 34.44
Commercial and Industrial Loans 5.25
Farm Loans 0.02

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of St. Augustine

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

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4.459% 4.375% 0.00 $2,500 $1,249 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

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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 St. Augustine
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Branches

Bank of St. Augustine 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 St. Augustine Locations

Financial Details

Bank of St. Augustine Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of St. Augustine. 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 St. Augustine U.S. Bank Average
41.35% 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 St. Augustine had $4,383,000 in non-current loans and $2,656,000 in owned real estate. To cover these potential losses it had $14,308,000 in equity and $2,717,000 in loans loss reserves. That gives it a Texas Ratio of 41.35%.

Return on Equity
Bank of St. Augustine U.S. Bank Average
1.23% 8.84%

Bank of St. Augustine has a Return on Equity of 1.23% 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.

Capitalization
Bank of St. Augustine U.S. Bank Average
8.71% 12.21%

Bank of St. Augustine has a Capitalization of 8.71% 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 St. Augustine Balance Sheet Analysis

As of June 30, 2013, Bank of St. Augustine had assets of $164,335,000, loans of $122,353,000, and deposits of $141,157,000. 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

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.12 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 $0.00 billion
LIABILITIES
Total deposits $0.14 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
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 $0.00 billion
      Shareholders’ Equity $0.16 billion

Summary Income Statement

INCOME AND EXPENSES
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 St. Augustine

Branches and Savings

Is Bank Of St. Augustine FDIC insured?

Yes. It is covered under FDIC Certificate #34413.

Why does Bank Of St. Augustine 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 St. Augustine CD rates not competitive?

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

Is Bank Of St. Augustine a commercial bank?

Yes

Where are Bank Of St. Augustine locations?

See branch locations nearby.

Is Bank Of St. Augustine open on Saturdays?

Is Bank Of St. Augustine open on Sundays?

What time does Bank Of St. Augustine open?

What time does Bank Of St. Augustine close?

Are Bank Of St. Augustine ATMs Open 24/7?

Do Bank Of St. Augustine ATMs accept cash deposits?

Can Bank Of St. Augustine customers use other ATMs?

Do Bank Of St. Augustine branches have notaries?

Will Bank Of St. Augustine notarize my document?

What address for Bank Of St. Augustine should I put for incoming ACH transfers?

Will the Bank Of St. Augustine branch print checks?

Do Bank Of St. Augustine checks expire?

Does Bank Of St. Augustine require US citizenship to open account?

Can Bank Of St. Augustine close my account?

Does Bank Of St. Augustine Report to credit bureaus?

Does Bank Of St. Augustine Use Equifax?

What is Bank Of St. Augustine's ACH Routing Number?

What is Bank Of St. Augustine's SWIFT code?

Products

Does Bank Of St. Augustine offer mortgages?

Compare mortgage rates here.

Does Bank Of St. Augustine offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of St. Augustine offer personal loans?

Compare personal loan rates here.

Does Bank Of St. Augustine offer student loans?

Will Bank Of St. Augustine cash a check?

Will Bank Of St. Augustine redeem a savings bond?

Does Bank Of St. Augustine cash savings bonds?

Will Bank Of St. Augustine cash money orders?

Can Bank Of St. Augustine issue a money order?

Does Bank Of St. Augustine do currency exchange?

Background on The Bank

Who owns Bank Of St. Augustine?

How long has Bank Of St. Augustine been around?

Can Bank Of St. Augustine transfer to other banks?

Does Bank Of St. Augustine have quick pay?

Does Bank Of St. Augustine accept rolled coins?

Will Bank Of St. Augustine accept loose change?

Where is Bank Of St. Augustine headquarters?

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