Bank of Wrightsville

156 N. Bradford St.
Wrightsville, GA 31096

Notable Rates APY Vs.Others
Savings 0.25% 2.10% →
1-Year CD 0.75% 2.15% →
2-Year CD 0.95% 2.20% →
5-Year CD 1.35% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Bank Information

Bank of Wrightsville is an FDIC insured institution located in Wrightsville, GA. It was founded in 1897 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 5699
Date Established 1897
Assets $0.06 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.01 billion

For a more detailed analysis of Bank of Wrightsville's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.25% $1,000 $9,999 Learn MoreShow Less
Money Market
0.30% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.35% $1,000 - Learn MoreShow Less
6 Mo CD
0.40% $1,000 - Learn MoreShow Less
12 Mo CD
0.75% $1,000 - Learn MoreShow Less
24 Mo CD
0.95% $1,000 - Learn MoreShow Less
36 Mo CD
1.05% $1,000 - Learn MoreShow Less
48 Mo CD
1.25% $1,000 - Learn MoreShow Less
60 Mo CD
1.35% $1,000 - Learn MoreShow Less

Fixed IRA
0.75% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1 - Learn MoreShow Less

Loan Rates - February 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Wrightsville

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: MC-3098
3.146% 3.125% 0.25 $665 $1,071 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Bank of Wrightsville
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Financial Details

Bank of Wrightsville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank of Wrightsville. 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 Wrightsville U.S. Bank Average
3.34% 6.70%

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 September 30, 2019, Bank of Wrightsville had $203,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,701,000 in equity and $381,000 in loans loss reserves. That gives it a Texas Ratio of 3.34%.

Return on Equity
Bank of Wrightsville U.S. Bank Average
14.63% 9.72%

Bank of Wrightsville has a Return on Equity of 14.63% versus the BestCashCow average of 9.72%. 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 Wrightsville U.S. Bank Average
9.97% 12.89%

Bank of Wrightsville has a Capitalization of 9.97% versus the BestCashCow average of 12.89. 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 Wrightsville Balance Sheet Analysis

As of September 30, 2019, Bank of Wrightsville had assets of $57,194,000, loans of $36,058,000, and deposits of $51,090,000. 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

September 30, 2019
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 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 $0.05 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 89.48%
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 $0.05 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2019
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

Bank Loan Profile?

The top three loan types in Bank of Wrightsville’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Bank of Wrightsville’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 22.44
Credit Card Loans 0.00
Consumer Auto Loans 2.05
Small Business Loans 0.00
Construction and Development Loans 10.57
Commercial Real Estate 30.74
Commercial and Industrial Loans 14.37
Farm Loans 2.58

Frequently Asked Questions About Bank Of Wrightsville

Branches and Savings

Is Bank Of Wrightsville FDIC insured?

Yes. It is covered under FDIC Certificate #5699.

Why does Bank Of Wrightsville 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 Wrightsville CD rates not competitive?

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

Is Bank Of Wrightsville a commercial bank?


Where are Bank Of Wrightsville locations?

See branch locations nearby.

Is Bank Of Wrightsville open on Saturdays?

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Are Bank Of Wrightsville ATMs Open 24/7?

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Will Bank Of Wrightsville notarize my document?

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Does Bank Of Wrightsville require US citizenship to open account?

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Does Bank Of Wrightsville Report to credit bureaus?

Does Bank Of Wrightsville Use Equifax?

What is Bank Of Wrightsville's ACH Routing Number?

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Does Bank Of Wrightsville offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Bank Of Wrightsville offer personal loans?

Compare personal loan rates here.

Does Bank Of Wrightsville offer student loans?

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Does Bank Of Wrightsville do currency exchange?

Background on The Bank

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How long has Bank Of Wrightsville been around?

Can Bank Of Wrightsville transfer to other banks?

Does Bank Of Wrightsville have quick pay?

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Will Bank Of Wrightsville accept loose change?

Where is Bank Of Wrightsville headquarters?

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