Bank of Thayer

116 Chestnut Street
Thayer, MO 65791

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12474
Date Established 1900
Assets $0.08 billion
Loans $0.04 billion
Deposits $0.07 billion
Capital $0.01 billion

Bank of Thayer is an FDIC insured institution located in Thayer, MO. It was founded in 1900 and has approximately $0.08 billion in assets.

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

Compared to other banks in Missouri, Bank of Thayer has a significantly higher percent of Small Business 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 44.04
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.92
Small Business Loans 20.42
Construction and Development Loans 5.29
Commercial Real Estate 20.42
Commercial and Industrial Loans 9.59
Farm Loans 4.68

Deposit Rates

Your Current Location: Virginia, VA 20146

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

2.00% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Thayer

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 2018

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Payment
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Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
4.125% 4.125% 0.00 $0 $1,212 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,800 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Bank of Thayer
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Branches

Bank of Thayer 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 Thayer Locations

Financial Details

Bank of Thayer Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Thayer. 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 Thayer U.S. Bank Average
10.67% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2017, Bank of Thayer had $49,000 in non-current loans and $802,000 in owned real estate. To cover these potential losses it had $7,163,000 in equity and $809,000 in loans loss reserves. That gives it a Texas Ratio of 10.67%.

Return on Equity
Bank of Thayer U.S. Bank Average
4.52% 8.84%

Bank of Thayer has a Return on Equity of 4.52% versus the BestCashCow average of 8.84%. 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 Thayer U.S. Bank Average
9.17% 12.21%

Bank of Thayer has a Capitalization of 9.17% versus the BestCashCow average of 12.21. 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 Thayer Balance Sheet Analysis

As of September 30, 2013, Bank of Thayer had assets of $78,125,000, loans of $38,684,000, and deposits of $68,393,000. 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 Thayer

Branches and Savings

Is Bank Of Thayer FDIC insured?

Yes. It is covered under FDIC Certificate #12474.

Why does Bank Of Thayer 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 Thayer CD rates not competitive?

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

Is Bank Of Thayer a commercial bank?

Yes

Where are Bank Of Thayer locations?

See branch locations nearby.

Is Bank Of Thayer open on Saturdays?

Is Bank Of Thayer open on Sundays?

What time does Bank Of Thayer open?

What time does Bank Of Thayer close?

Are Bank Of Thayer ATMs Open 24/7?

Do Bank Of Thayer ATMs accept cash deposits?

Can Bank Of Thayer customers use other ATMs?

Do Bank Of Thayer branches have notaries?

Will Bank Of Thayer notarize my document?

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

Will the Bank Of Thayer branch print checks?

Do Bank Of Thayer checks expire?

Does Bank Of Thayer require US citizenship to open account?

Can Bank Of Thayer close my account?

Does Bank Of Thayer Report to credit bureaus?

Does Bank Of Thayer Use Equifax?

What is Bank Of Thayer's ACH Routing Number?

What is Bank Of Thayer's SWIFT code?

Products

Does Bank Of Thayer offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Thayer offer personal loans?

Compare personal loan rates here.

Does Bank Of Thayer offer student loans?

Will Bank Of Thayer cash a check?

Will Bank Of Thayer redeem a savings bond?

Does Bank Of Thayer cash savings bonds?

Will Bank Of Thayer cash money orders?

Can Bank Of Thayer issue a money order?

Does Bank Of Thayer do currency exchange?

Background on The Bank

Who owns Bank Of Thayer?

How long has Bank Of Thayer been around?

Can Bank Of Thayer transfer to other banks?

Does Bank Of Thayer have quick pay?

Does Bank Of Thayer accept rolled coins?

Will Bank Of Thayer accept loose change?

Where is Bank Of Thayer headquarters?

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