Bank of St. Francisville

Headquarters

5700 Commerce St
Saint Francisville, LA 70775
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 4.08% →
1-Year CD N.A. 4.71% →
2-Year CD N.A. 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Bank Information

Bank of St. Francisville is an FDIC insured institution located in Saint Francisville, LA. It was founded in 1978 and has approximately $0.22 billion in assets.

FDIC Insured Yes
FDIC Certificate # 22739
Date Established 1978
Assets $ 219.70 million
Loans $ 163.17 million
Deposits $ 198.04 million
Capital $ 19.88 million
 

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

Deposit Rates - December 4, 2022

Your Current Location: Virginia, VA 20146

 

Loan Rates - December 4, 2022

Your Current Location: Virginia, VA 20146

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

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 2022

Lender APR Rate (%) Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
5.707% 5.625%
0.88 points
$2,260 fees
$1,440 Learn More
Eligibility.org
NMLS ID: 1907

points
fees
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$0 Learn More
More Info

Note to Bank of St. Francisville
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Branches

Bank of St. Francisville 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. Francisville Locations



Climate Initiatives

Bank of St. Francisville is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Bank of St. Francisville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of St. Francisville. 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. Francisville U.S. Bank Average
4.08% 4.06%

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 June 30, 2022, Bank of St. Francisville had $918,000 in non-current loans and $5,000 in owned real estate. To cover these potential losses it had $19,879,000 in equity and $2,752,000 in loans loss reserves. That gives it a Texas Ratio of 4.08%.

Return on Equity
Bank of St. Francisville U.S. Bank Average
17.56% 9.98%

Bank of St. Francisville has a Return on Equity of 17.56% versus the BestCashCow average of 9.98%. 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. Francisville U.S. Bank Average
9.05% 10.23%

Bank of St. Francisville has a Capitalization of 9.05% versus the BestCashCow average of 10.23. 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. Francisville Balance Sheet Analysis

As of June 30, 2022, Bank of St. Francisville had assets of $219,702,000, loans of $163,173,000, and deposits of $198,035,000. 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

June 30, 2022
ASSETS
Cash & Balances due from depository institutions $ 9.64 million
Interest-bearing balances $ 5.54 million
Total securities $ 29.81 million
Federal funds sold and reverse repurchase $ 11.53 million
Net loans and leases $ 163.17 million
Loan loss allowance $ 2.75 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.01 million
Goodwill and other intangibles N.A.
All other assets $ 1.93 million
     Total Assets $ 199.82 million
LIABILITIES
Total deposits $ 198.04 million
      Interest-bearing deposits $ 121.09 million
      Deposits held in domestic offices $ 198.04 million
      % insured (estimated) 64.22%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.79 million
      Total Liabilities $ 199.82 million
      Shareholders’ Equity $ 19.88 million

Summary Income Statement

June 30, 2022
INCOME AND EXPENSES
Total Interest Income $ 4.79 million
Total Interest Expense $ 0.22 million
Net interest income $ 4.57 million
Provision for loan and lease losses $ 0.21 million
Total non interest income $ 0.70 million
Total non interest expense $ 3.33 million
Pre-tax Net Operating Income $ 1.73 million

Bank Loan Profile?

The top three loan types in Bank of St. Francisville’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks in Louisiana, Bank of St. Francisville has a significantly higher percent of Construction and Development 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 26.33
Multifamily
Mortgages
1.09
Credit Card Loans 0.00
Consumer Auto Loans 0.99
Small Business Loans 11.09
Construction and Development Loans 24.94
Commercial Real Estate 28.30
Commercial and Industrial Loans 11.39
Farm Loans 0.11

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