Bank of St. Croix, Inc.

Headquarters

5025 Anchor Way
Christiansted, VI 00820
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank of St. Croix, Inc. is an FDIC insured institution located in Christiansted, VI. It was founded in 1995 and has approximately $0.14 billion in assets.

FDIC Insured Yes
FDIC Certificate # 33990
Date Established 1995
Assets $ 147.82 million
Loans $ 45.38 million
Deposits $ 129.89 million
Capital $ 14.46 million
 

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

Deposit Rates - December 2, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - December 2, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank of St. Croix, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
First Internet Bank
NMLS ID: 424182
2.548% 2.500% 0.63 $1,572 $988 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.583% 2.500% 0.88 $2,728 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to Bank of St. Croix, Inc.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bank of St. Croix, 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:
Fairfield,Connecticut


Bank of St. Croix, Inc. Locations


Financial Details

Bank of St. Croix, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of St. Croix, 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 St. Croix, Inc. U.S. Bank Average
24.03% 6.94%

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 March 31, 2020, Bank of St. Croix, Inc. had $1,117,000 in non-current loans and $2,519,000 in owned real estate. To cover these potential losses it had $14,460,000 in equity and $672,000 in loans loss reserves. That gives it a Texas Ratio of 24.03%.

Return on Equity
Bank of St. Croix, Inc. U.S. Bank Average
7.31% 7.80%

Bank of St. Croix, Inc. has a Return on Equity of 7.31% versus the BestCashCow average of 7.80%. 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.

Capitalization
Bank of St. Croix, Inc. U.S. Bank Average
9.78% 12.68%

Bank of St. Croix, Inc. has a Capitalization of 9.78% versus the BestCashCow average of 12.68. 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. Croix, Inc. Balance Sheet Analysis

As of December 31, 2016, Bank of St. Croix, Inc. had assets of $144,494,000, loans of $45,381,000, and deposits of $129,888,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 45.38 million
Loan loss allowance $ 0.67 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.52 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 129.89 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 147.82 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bank of St. Croix, Inc.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in , Bank of St. Croix, Inc. 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 69.39
Multifamily
Mortgages
0.17
Credit Card Loans 0.00
Consumer Auto Loans 0.21
Small Business Loans 14.47
Construction and Development Loans 3.40
Commercial Real Estate 20.34
Commercial and Industrial Loans 6.95
Farm Loans 0.00

Frequently Asked Questions About Bank Of St. Croix, Inc.

Branches and Savings

Is Bank Of St. Croix, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #33990.

Why does Bank Of St. Croix, 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 St. Croix, Inc. CD rates not competitive?

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

Is Bank Of St. Croix, Inc. a commercial bank?

Yes

Where are Bank Of St. Croix, Inc. locations?

See branch locations nearby.

Is Bank Of St. Croix, Inc. open on Saturdays?

Is Bank Of St. Croix, Inc. open on Sundays?

What time does Bank Of St. Croix, Inc. open?

What time does Bank Of St. Croix, Inc. close?

Are Bank Of St. Croix, Inc. ATMs Open 24/7?

Do Bank Of St. Croix, Inc. ATMs accept cash deposits?

Can Bank Of St. Croix, Inc. customers use other ATMs?

Do Bank Of St. Croix, Inc. branches have notaries?

Will Bank Of St. Croix, Inc. notarize my document?

What address for Bank Of St. Croix, Inc. should I put for incoming ACH transfers?

Will the Bank Of St. Croix, Inc. branch print checks?

Do Bank Of St. Croix, Inc. checks expire?

Does Bank Of St. Croix, Inc. require US citizenship to open account?

Can Bank Of St. Croix, Inc. close my account?

Does Bank Of St. Croix, Inc. Report to credit bureaus?

Does Bank Of St. Croix, Inc. Use Equifax?

What is Bank Of St. Croix, Inc.'s ACH Routing Number?

What is Bank Of St. Croix, Inc.'s SWIFT code?

Products

Does Bank Of St. Croix, Inc. offer mortgages?

Compare mortgage rates here.

Does Bank Of St. Croix, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of St. Croix, Inc. offer personal loans?

Compare personal loan rates here.

Does Bank Of St. Croix, Inc. offer student loans?

Will Bank Of St. Croix, Inc. cash a check?

Will Bank Of St. Croix, Inc. redeem a savings bond?

Does Bank Of St. Croix, Inc. cash savings bonds?

Will Bank Of St. Croix, Inc. cash money orders?

Can Bank Of St. Croix, Inc. issue a money order?

Does Bank Of St. Croix, Inc. do currency exchange?

Background on The Bank

Who owns Bank Of St. Croix, Inc.?

How long has Bank Of St. Croix, Inc. been around?

Can Bank Of St. Croix, Inc. transfer to other banks?

Does Bank Of St. Croix, Inc. have quick pay?

Does Bank Of St. Croix, Inc. accept rolled coins?

Will Bank Of St. Croix, Inc. accept loose change?

Where is Bank Of St. Croix, Inc. headquarters?

Customer Reviews for Bank of St. Croix, Inc.

There are currently no comments for Bank of St. Croix, Inc.. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →