Bank of Stapleton

Headquarters

324 Main St
Stapleton, NE 69163
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 Stapleton is an FDIC insured institution located in Stapleton, NE. It was founded in 1905 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 9820
Date Established 1905
Assets $ 25.88 million
Loans $ 21.29 million
Deposits $ 22.79 million
Capital $ 3.06 million
 

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

Deposit Rates - November 26, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - November 26, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Bank of Stapleton

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

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Note to Bank of Stapleton
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Branches

Bank of Stapleton 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 Stapleton Locations


Financial Details

Bank of Stapleton Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Stapleton. 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 Stapleton U.S. Bank Average
13.05% 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 Stapleton had $421,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $3,060,000 in equity and $165,000 in loans loss reserves. That gives it a Texas Ratio of 13.05%.

Return on Equity
Bank of Stapleton U.S. Bank Average
13.54% 7.80%

Bank of Stapleton has a Return on Equity of 13.54% 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 Stapleton U.S. Bank Average
11.82% 12.68%

Bank of Stapleton has a Capitalization of 11.82% 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 Stapleton Balance Sheet Analysis

As of March 31, 2015, Bank of Stapleton had assets of $25,467,000, loans of $21,294,000, and deposits of $22,788,000. 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 $ 21.29 million
Loan loss allowance $ 0.17 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 22.79 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 $ 25.88 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 Stapleton’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Consumer Auto Loans.

Compared to other banks in Nebraska, Bank of Stapleton has a significantly higher percent of Consumer Auto Loans, Small Business Loans, Commercial and Industrial 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 4.10
Multifamily
Mortgages
2.08
Credit Card Loans 0.00
Consumer Auto Loans 11.34
Small Business Loans 5.00
Construction and Development Loans 0.03
Commercial Real Estate 5.00
Commercial and Industrial Loans 28.63
Farm Loans 31.68

Frequently Asked Questions About Bank Of Stapleton

Branches and Savings

Is Bank Of Stapleton FDIC insured?

Yes. It is covered under FDIC Certificate #9820.

Why does Bank Of Stapleton 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 Stapleton CD rates not competitive?

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

Is Bank Of Stapleton a commercial bank?

Yes

Where are Bank Of Stapleton locations?

See branch locations nearby.

Is Bank Of Stapleton open on Saturdays?

Is Bank Of Stapleton open on Sundays?

What time does Bank Of Stapleton open?

What time does Bank Of Stapleton close?

Are Bank Of Stapleton ATMs Open 24/7?

Do Bank Of Stapleton ATMs accept cash deposits?

Can Bank Of Stapleton customers use other ATMs?

Do Bank Of Stapleton branches have notaries?

Will Bank Of Stapleton notarize my document?

What address for Bank Of Stapleton should I put for incoming ACH transfers?

Will the Bank Of Stapleton branch print checks?

Do Bank Of Stapleton checks expire?

Does Bank Of Stapleton require US citizenship to open account?

Can Bank Of Stapleton close my account?

Does Bank Of Stapleton Report to credit bureaus?

Does Bank Of Stapleton Use Equifax?

What is Bank Of Stapleton's ACH Routing Number?

What is Bank Of Stapleton's SWIFT code?

Products

Does Bank Of Stapleton offer mortgages?

Compare mortgage rates here.

Does Bank Of Stapleton offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Of Stapleton offer personal loans?

Compare personal loan rates here.

Does Bank Of Stapleton offer student loans?

Will Bank Of Stapleton cash a check?

Will Bank Of Stapleton redeem a savings bond?

Does Bank Of Stapleton cash savings bonds?

Will Bank Of Stapleton cash money orders?

Can Bank Of Stapleton issue a money order?

Does Bank Of Stapleton do currency exchange?

Background on The Bank

Who owns Bank Of Stapleton?

How long has Bank Of Stapleton been around?

Can Bank Of Stapleton transfer to other banks?

Does Bank Of Stapleton have quick pay?

Does Bank Of Stapleton accept rolled coins?

Will Bank Of Stapleton accept loose change?

Where is Bank Of Stapleton headquarters?

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