Bank of St. Croix, Inc.

5025 Anchor Way
Christiansted, VI 00820

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33990
Date Established 1995
Assets $0.15 billion
Loans $0.05 billion
Deposits $0.13 billion
Capital $0.01 billion

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. Customers can open an account at one of its 2 branches.

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.

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

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of St. Croix, Inc., but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.771% 3.750% 0.00 $642 $1,158 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of St. Croix, Inc.
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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:
Ashburn,Virginia


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% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, 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%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of St. Croix, Inc. U.S. Bank Average
7.31% 8.58

Bank of St. Croix, Inc. has a Return on Equity of 7.31% versus the BestCashCow average of 8.58. 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% 12.11

Bank of St. Croix, Inc. has a Capitalization of 9.78% versus the BestCashCow average of 12.11. 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.

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?

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