Bank of Terrell

250 East Lee Street
Dawson, GA 39842

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35320
Date Established 1999
Assets $0.16 billion
Loans $0.12 billion
Deposits $0.14 billion
Capital $0.02 billion

Bank of Terrell is an FDIC insured institution located in Dawson, GA. It was founded in 1999 and has approximately $0.16 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Bank of Terrell'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 Terrell’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Bank of Terrell’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 46.96
Multifamily
Mortgages
0.68
Credit Card Loans 0.00
Consumer Auto Loans 1.37
Small Business Loans 21.63
Construction and Development Loans 4.62
Commercial Real Estate 23.12
Commercial and Industrial Loans 7.67
Farm Loans 8.15

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.75% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.75% $1,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.50% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.75% $1,000 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.25% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.50% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $1,250 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Terrell

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
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Terrell
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Branches

Bank of Terrell 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 Terrell Locations

Financial Details

Bank of Terrell Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Terrell. 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 Terrell U.S. Bank Average
11.47% 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 Terrell had $1,395,000 in non-current loans and $649,000 in owned real estate. To cover these potential losses it had $16,387,000 in equity and $1,430,000 in loans loss reserves. That gives it a Texas Ratio of 11.47%. 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 Terrell U.S. Bank Average
13.73% 8.58

Bank of Terrell has a Return on Equity of 13.73% 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.

Capitalization
Bank of Terrell U.S. Bank Average
10.49% 12.11

Bank of Terrell has a Capitalization of 10.49% 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 Terrell Balance Sheet Analysis

As of June 30, 2017, Bank of Terrell had assets of $156,257,000, loans of $121,817,000, and deposits of $137,976,000. 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.

Frequently Asked Questions About Bank of Terrell

Branches and Savings

Is Bank of Terrell FDIC insured?

Yes. It is covered under FDIC Certificate #35320.

Why does Bank of Terrell 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 Terrell CD rates not competitive?

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

Is Bank of Terrell a commercial bank?

Yes

Where are Bank of Terrell locations?

See branch locations nearby.

Is Bank of Terrell open on Saturdays?

Is Bank of Terrell open on Sundays?

What time does Bank of Terrell open?

What time does Bank of Terrell close?

Are Bank of Terrell ATMs Open 24/7?

Do Bank of Terrell ATMs accept cash deposits?

Can Bank of Terrell customers use other ATMs?

Do Bank of Terrell branches have notaries?

Will Bank of Terrell notarize my document?

What address for Bank of Terrell should I put for incoming ACH transfers?

Will the Bank of Terrell branch print checks?

Do Bank of Terrell checks expire?

Does Bank of Terrell require US citizenship to open account?

Can Bank of Terrell close my account?

Does Bank of Terrell Report to credit bureaus?

Does Bank of Terrell Use Equifax?

What is Bank of Terrell's ACH Routing Number?

What is Bank of Terrell's SWIFT code?

Products

Does Bank of Terrell offer mortgages?

Compare mortgage rates here.

Does Bank of Terrell offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Terrell offer personal loans?

Compare personal loan rates here.

Does Bank of Terrell offer student loans?

Will Bank of Terrell cash a check?

Will Bank of Terrell redeem a savings bond?

Does Bank of Terrell cash savings bonds?

Will Bank of Terrell cash money orders?

Can Bank of Terrell issue a money order?

Does Bank of Terrell do currency exchange?

Background on The Bank

Who owns Bank of Terrell?

How long has Bank of Terrell been around?

Can Bank of Terrell transfer to other banks?

Does Bank of Terrell have quick pay?

Does Bank of Terrell accept rolled coins?

Will Bank of Terrell accept loose change?

Where is Bank of Terrell headquarters?

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