Bank of Thayer

Headquarters

116 Chestnut Street
Thayer, MO 65791
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 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 Thayer is an FDIC insured institution located in Thayer, MO. It was founded in 1900 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 12474
Date Established 1900
Assets $ 78.13 million
Loans $ 38.68 million
Deposits $ 68.39 million
Capital $ 7.16 million
 

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.

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

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3.620% 3.500% 1.00 $3,750 $1,123 Learn More
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License#: 13256
2.575% 2.500% 1.00 $2,468 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
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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:
Fairfield,Connecticut


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% 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 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% 7.80%

Bank of Thayer has a Return on Equity of 4.52% 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 Thayer U.S. Bank Average
9.17% 12.68%

Bank of Thayer has a Capitalization of 9.17% 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 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.

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 $ 38.68 million
Loan loss allowance $ 0.81 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.80 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 68.39 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 $ 78.13 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 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

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?

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Are Bank Of Thayer ATMs Open 24/7?

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Does Bank Of Thayer require US citizenship to open account?

Can Bank Of Thayer close my account?

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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?

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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?

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