Bank of St. Francisville

5700 Commerce Street
Saint Francisville, LA 70775


General Bank Information

FDIC Insured Yes
FDIC Certificate # 22739
Date Established 1978
Assets $0.12 billion
Loans $0.09 billion
Deposits $0.10 billion
Capital $0.01 billion

Bank of St. Francisville is an FDIC insured institution located in Saint Francisville, LA. It was founded in 1978 and has approximately $0.12 billion in assets.

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.

Bank Loan Profile?

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

Compared to other banks, Bank of St. Francisville’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 34.69
Credit Card Loans 0.00
Consumer Auto Loans 2.07
Small Business Loans 11.30
Construction and Development Loans 10.84
Commercial Real Estate 25.85
Commercial and Industrial Loans 6.27
Farm Loans 1.29

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.60% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.75% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
1.05% $1,000 - Learn MoreShow Less
0.15% $2,500 $15,000 Learn MoreShow Less
0.20% $15,001 $9,999,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1,000 $2,499 Learn MoreShow Less
Int Ckg 2.5K
0.10% $2,501 $9,999,999 Learn MoreShow Less

Loan Rates

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 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.680% 3.625% 0.50 $1,705 $1,141 Learn More

Note to Bank of St. Francisville
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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.

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Bank Of St. Francisville Locations

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 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
5.97% 8.87%

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 March 31, 2017, Bank of St. Francisville had $766,000 in non-current loans and $37,000 in owned real estate. To cover these potential losses it had $12,228,000 in equity and $1,223,000 in loans loss reserves. That gives it a Texas Ratio of 5.97%. 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. Francisville U.S. Bank Average
9.39% 8.39%

Bank of St. Francisville has a Return on Equity of 9.39% versus the BestCashCow average of 8.39%. 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 St. Francisville U.S. Bank Average
10.46% 11.94%

Bank of St. Francisville has a Capitalization of 10.46% versus the BestCashCow average of 11.94%. 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, 2017, Bank of St. Francisville had assets of $116,906,000, loans of $85,789,000, and deposits of $97,755,000. 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.

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