Bank of Stapleton

324 Main St
Stapleton, NE 69163


General Bank Information

FDIC Insured Yes
FDIC Certificate # 9820
Date Established 1905
Assets $0.03 billion
Loans $0.02 billion
Deposits $0.02 billion
Capital $0.00 billion

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.

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.

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, 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.10
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

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bank Of Stapleton, but see these great savings and CD rates:

1.20% APY Online Savings Account from Ally Bank
1.50% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.750% 3.750% -0.25 ($162) $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Note to Bank of Stapleton
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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 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% 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 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%. 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 Stapleton U.S. Bank Average
13.54% 8.58

Bank of Stapleton has a Return on Equity of 13.54% 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.

Bank of Stapleton U.S. Bank Average
11.82% 12.11

Bank of Stapleton has a Capitalization of 11.82% 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 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.

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