Bank of Walker County

607 Hwy 78 East
Jasper, AL 35501

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57640
Date Established 2004
Assets $0.06 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.01 billion

Bank of Walker County is an FDIC insured institution located in Jasper, AL. It was founded in 2004 and has approximately $0.06 billion in assets.

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

Compared to other banks in Alabama, Bank of Walker County 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 32.99
Multifamily
Mortgages
0.35
Credit Card Loans 0.00
Consumer Auto Loans 2.23
Small Business Loans 23.81
Construction and Development Loans 11.45
Commercial Real Estate 23.81
Commercial and Industrial Loans 21.80
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $500 - Learn MoreShow Less
6 Mo CD 10K
0.20% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.15% $25 $9,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.30% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
0.40% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.25% $100 $4,999 Learn MoreShow Less
MM 10K
0.25% $10,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $100 $4,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Walker County

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 Walker County
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Branches

Bank of Walker County 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 Walker County Locations

Financial Details

Bank of Walker County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Walker County. 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 Walker County U.S. Bank Average
12.45% 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 Walker County had $504,000 in non-current loans and $623,000 in owned real estate. To cover these potential losses it had $8,609,000 in equity and $446,000 in loans loss reserves. That gives it a Texas Ratio of 12.45%. 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 Walker County U.S. Bank Average
4.3% 8.58

Bank of Walker County has a Return on Equity of 4.3% 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 Walker County U.S. Bank Average
13.52% 12.11

Bank of Walker County has a Capitalization of 13.52% 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 Walker County Balance Sheet Analysis

As of June 30, 2017, Bank of Walker County had assets of $63,658,000, loans of $39,586,000, and deposits of $54,904,000. 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 Walker County

Branches and Savings

Is Bank of Walker County FDIC insured?

Yes. It is covered under FDIC Certificate #57640.

Why does Bank of Walker County 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 Walker County CD rates not competitive?

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

Is Bank of Walker County a commercial bank?

Yes

Where are Bank of Walker County locations?

See branch locations nearby.

Is Bank of Walker County open on Saturdays?

Is Bank of Walker County open on Sundays?

What time does Bank of Walker County open?

What time does Bank of Walker County close?

Are Bank of Walker County ATMs Open 24/7?

Do Bank of Walker County ATMs accept cash deposits?

Can Bank of Walker County customers use other ATMs?

Do Bank of Walker County branches have notaries?

Will Bank of Walker County notarize my document?

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

Will the Bank of Walker County branch print checks?

Do Bank of Walker County checks expire?

Does Bank of Walker County require US citizenship to open account?

Can Bank of Walker County close my account?

Does Bank of Walker County Report to credit bureaus?

Does Bank of Walker County Use Equifax?

What is Bank of Walker County's ACH Routing Number?

What is Bank of Walker County's SWIFT code?

Products

Does Bank of Walker County offer mortgages?

Compare mortgage rates here.

Does Bank of Walker County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Walker County offer personal loans?

Compare personal loan rates here.

Does Bank of Walker County offer student loans?

Will Bank of Walker County cash a check?

Will Bank of Walker County redeem a savings bond?

Does Bank of Walker County cash savings bonds?

Will Bank of Walker County cash money orders?

Can Bank of Walker County issue a money order?

Does Bank of Walker County do currency exchange?

Background on The Bank

Who owns Bank of Walker County?

How long has Bank of Walker County been around?

Can Bank of Walker County transfer to other banks?

Does Bank of Walker County have quick pay?

Does Bank of Walker County accept rolled coins?

Will Bank of Walker County accept loose change?

Where is Bank of Walker County headquarters?

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