Banner Banks

416 Main St.
Birnamwood, WI 54414

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10374
Date Established 1900
Assets $0.10 billion
Loans $0.04 billion
Deposits $0.09 billion
Capital $0.01 billion

Banner Banks is an FDIC insured institution located in Birnamwood, WI. It was founded in 1900 and has approximately $0.1 billion in assets. Customers can open an account at one of its 4 branches.

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

Compared to other banks, Banner Banks’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.38
Multifamily
Mortgages
0.60
Credit Card Loans 0.10
Consumer Auto Loans 0.41
Small Business Loans 16.18
Construction and Development Loans 1.25
Commercial Real Estate 26.08
Commercial and Industrial Loans 6.25
Farm Loans 8.58

Deposit Rates - June 20, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $24,999 Learn MoreShow Less
Money Market
0.25% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.40% $500 - Learn MoreShow Less
6 Mo CD
0.65% $500 - Learn MoreShow Less
12 Mo CD
1.25% $500 - Learn MoreShow Less
24 Mo CD
1.50% $500 - Learn MoreShow Less
36 Mo CD
1.55% $500 - Learn MoreShow Less
48 Mo CD
1.85% $500 - Learn MoreShow Less
60 Mo CD
2.15% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
1.55% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 $4,999 Learn MoreShow Less

Loan Rates - June 20, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Banner Banks

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

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
More Info

Note to Banner Banks
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Banner Banks 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:
Seattle,Washington


Banner Banks Locations


Financial Details

Banner Banks Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banner Banks. 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
Banner Banks U.S. Bank Average
10.1% 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, Banner Banks had $1,112,000 in non-current loans and $102,000 in owned real estate. To cover these potential losses it had $11,277,000 in equity and $747,000 in loans loss reserves. That gives it a Texas Ratio of 10.1%.

Return on Equity
Banner Banks U.S. Bank Average
7.59% 8.80%

Banner Banks has a Return on Equity of 7.59% 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.

Capitalization
Banner Banks U.S. Bank Average
11.67% 12.29%

Banner Banks has a Capitalization of 11.67% 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.

Banner Banks Balance Sheet Analysis

As of December 31, 2018, Banner Banks had assets of $96,619,000, loans of $37,947,000, and deposits of $85,143,000. 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
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.01 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 $0.09 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.07 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 79.60%
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 $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
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 Banner Banks

Branches and Savings

Is Banner Banks FDIC insured?

Yes. It is covered under FDIC Certificate #10374.

Why does Banner Banks pay such low interest on savings accounts?

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

Why are Banner Banks CD rates not competitive?

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

Is Banner Banks a commercial bank?

Yes

Where are Banner Banks locations?

See branch locations nearby.

Is Banner Banks open on Saturdays?

Is Banner Banks open on Sundays?

What time does Banner Banks open?

What time does Banner Banks close?

Are Banner Banks ATMs Open 24/7?

Do Banner Banks ATMs accept cash deposits?

Can Banner Banks customers use other ATMs?

Do Banner Banks branches have notaries?

Will Banner Banks notarize my document?

What address for Banner Banks should I put for incoming ACH transfers?

Will the Banner Banks branch print checks?

Do Banner Banks checks expire?

Does Banner Banks require US citizenship to open account?

Can Banner Banks close my account?

Does Banner Banks Report to credit bureaus?

Does Banner Banks Use Equifax?

What is Banner Banks's ACH Routing Number?

What is Banner Banks's SWIFT code?

Products

Does Banner Banks offer mortgages?

Compare mortgage rates here.

Does Banner Banks offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Banner Banks offer personal loans?

Compare personal loan rates here.

Does Banner Banks offer student loans?

Will Banner Banks cash a check?

Will Banner Banks redeem a savings bond?

Does Banner Banks cash savings bonds?

Will Banner Banks cash money orders?

Can Banner Banks issue a money order?

Does Banner Banks do currency exchange?

Background on The Bank

Who owns Banner Banks?

How long has Banner Banks been around?

Can Banner Banks transfer to other banks?

Does Banner Banks have quick pay?

Does Banner Banks accept rolled coins?

Will Banner Banks accept loose change?

Where is Banner Banks headquarters?

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