Bank of Westminster

306 East Windsor Street
Westminster, SC 29693


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15204
Date Established 1935
Assets $0.03 billion
Loans $0.01 billion
Deposits $0.03 billion
Capital $0.00 billion

Bank of Westminster is an FDIC insured institution located in Westminster, SC. It was founded in 1935 and has approximately $0.03 billion in assets.

For a more detailed analysis of Bank of Westminster'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 Westminster’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bank of Westminster’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

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

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Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Westminster

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Financial Details

Bank of Westminster Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Westminster. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank of Westminster U.S. Bank Average
72.39% 6.97%

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 December 31, 2018, Bank of Westminster had $1,916,000 in non-current loans and $53,000 in owned real estate. To cover these potential losses it had $1,871,000 in equity and $849,000 in loans loss reserves. That gives it a Texas Ratio of 72.39%.

Return on Equity
Bank of Westminster U.S. Bank Average
-80.95% 8.80%

Bank of Westminster has a Return on Equity of -80.95% versus the BestCashCow average of 8.80%. 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.

Bank of Westminster U.S. Bank Average
6.64% 12.29%

Bank of Westminster has a Capitalization of 6.64% versus the BestCashCow average of 12.29. 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 Westminster Balance Sheet Analysis

As of September 30, 2011, Bank of Westminster had assets of $28,179,000, loans of $14,733,000, and deposits of $26,226,000. 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

December 31, 2018
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.01 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
Total deposits $0.03 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Bank Of Westminster

Branches and Savings

Is Bank Of Westminster FDIC insured?

Yes. It is covered under FDIC Certificate #15204.

Why does Bank Of Westminster 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 Westminster CD rates not competitive?

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Is Bank Of Westminster a commercial bank?


Where are Bank Of Westminster locations?

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Is Bank Of Westminster open on Saturdays?

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Do Bank Of Westminster checks expire?

Does Bank Of Westminster require US citizenship to open account?

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Does Bank Of Westminster Use Equifax?

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Does Bank Of Westminster offer mortgages?

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

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Does Bank Of Westminster offer personal loans?

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Does Bank Of Westminster offer student loans?

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Can Bank Of Westminster issue a money order?

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Background on The Bank

Who owns Bank Of Westminster?

How long has Bank Of Westminster been around?

Can Bank Of Westminster transfer to other banks?

Does Bank Of Westminster have quick pay?

Does Bank Of Westminster accept rolled coins?

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