Bank of Star Valley

Headquarters

384 Washington Street
Afton, WY 83110
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 1.00% →
1-Year CD 0.35% 0.95% →
2-Year CD 0.55% 0.95% →
5-Year CD 0.75% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank of Star Valley is an FDIC insured institution located in Afton, WY. It was founded in 1996 and has approximately $0.24 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 34148
Date Established 1996
Assets $ 243.47 million
Loans $ 120.01 million
Deposits $ 211.14 million
Capital $ 24.70 million
 

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

Deposit Rates - October 19, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.03% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
Special: 24 Mo CD
0.45% $250 - Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
Special: 36 Mo CD
0.55% $250 - Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Special: 24 Mo FIRA
0.60% $250 - Learn MoreShow Less
Special: 36 Mo FIRA
0.80% $250 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Star Valley

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.574% 2.500% 1.00 $2,445 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Bank of Star Valley
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bank of Star Valley 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 Star Valley Locations


Financial Details

Bank of Star Valley Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Star Valley. 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 Star Valley U.S. Bank Average
1.19% 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 Star Valley had $314,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $24,701,000 in equity and $1,755,000 in loans loss reserves. That gives it a Texas Ratio of 1.19%.

Return on Equity
Bank of Star Valley U.S. Bank Average
15.93% 7.80%

Bank of Star Valley has a Return on Equity of 15.93% 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 Star Valley U.S. Bank Average
10.15% 12.68%

Bank of Star Valley has a Capitalization of 10.15% 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 Star Valley Balance Sheet Analysis

As of March 31, 2020, Bank of Star Valley had assets of $243,465,000, loans of $120,005,000, and deposits of $211,135,000. 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 $ 16.93 million
Interest-bearing balances $ 10.47 million
Total securities $ 91.86 million
Federal funds sold and reverse repurchase $ 10.30 million
Net loans and leases $ 120.01 million
Loan loss allowance $ 1.76 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 $ 1.98 million
     Total Assets $ 218.76 million
LIABILITIES
Total deposits $ 211.14 million
      Interest-bearing deposits $ 157.25 million
      Deposits held in domestic offices $ 211.14 million
      % insured (estimated) 78.38%
Federal funds purchased and repurchase agreements $ 6.86 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.77 million
      Total Liabilities $ 218.76 million
      Shareholders’ Equity $ 24.70 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.34 million
Total Interest Expense $ 0.34 million
Net interest income $ 2.00 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.19 million
Total non interest expense $ 1.17 million
Pre-tax Net Operating Income $ 0.97 million

Bank Loan Profile?

The top three loan types in Bank of Star Valley’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Wyoming, Bank of Star Valley has a significantly higher percent of Consumer Auto 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 25.55
Multifamily
Mortgages
0.40
Credit Card Loans 0.00
Consumer Auto Loans 7.53
Small Business Loans 0.00
Construction and Development Loans 10.45
Commercial Real Estate 30.59
Commercial and Industrial Loans 12.75
Farm Loans 1.24

Frequently Asked Questions About Bank Of Star Valley

Branches and Savings

Is Bank Of Star Valley FDIC insured?

Yes. It is covered under FDIC Certificate #34148.

Why does Bank Of Star Valley 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 Star Valley CD rates not competitive?

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

Is Bank Of Star Valley a commercial bank?

Yes

Where are Bank Of Star Valley locations?

See branch locations nearby.

Is Bank Of Star Valley open on Saturdays?

Is Bank Of Star Valley open on Sundays?

What time does Bank Of Star Valley open?

What time does Bank Of Star Valley close?

Are Bank Of Star Valley ATMs Open 24/7?

Do Bank Of Star Valley ATMs accept cash deposits?

Can Bank Of Star Valley customers use other ATMs?

Do Bank Of Star Valley branches have notaries?

Will Bank Of Star Valley notarize my document?

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

Will the Bank Of Star Valley branch print checks?

Do Bank Of Star Valley checks expire?

Does Bank Of Star Valley require US citizenship to open account?

Can Bank Of Star Valley close my account?

Does Bank Of Star Valley Report to credit bureaus?

Does Bank Of Star Valley Use Equifax?

What is Bank Of Star Valley's ACH Routing Number?

What is Bank Of Star Valley's SWIFT code?

Products

Does Bank Of Star Valley offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Star Valley offer personal loans?

Compare personal loan rates here.

Does Bank Of Star Valley offer student loans?

Will Bank Of Star Valley cash a check?

Will Bank Of Star Valley redeem a savings bond?

Does Bank Of Star Valley cash savings bonds?

Will Bank Of Star Valley cash money orders?

Can Bank Of Star Valley issue a money order?

Does Bank Of Star Valley do currency exchange?

Background on The Bank

Who owns Bank Of Star Valley?

How long has Bank Of Star Valley been around?

Can Bank Of Star Valley transfer to other banks?

Does Bank Of Star Valley have quick pay?

Does Bank Of Star Valley accept rolled coins?

Will Bank Of Star Valley accept loose change?

Where is Bank Of Star Valley headquarters?

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