Banner Capital Bank

205 State St
Harrisburg, NE 69345

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19274
Date Established 1964
Assets $0.13 billion
Loans $0.11 billion
Deposits $0.11 billion
Capital $0.01 billion

Banner Capital Bank is an FDIC insured institution located in Harrisburg, NE. It was founded in 1964 and has approximately $0.13 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Banner Capital Bank'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 Capital Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Banner Capital Bank’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 3.83
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.66
Small Business Loans 8.92
Construction and Development Loans 1.30
Commercial Real Estate 11.13
Commercial and Industrial Loans 12.70
Farm Loans 41.23

Savings Rates

Your Current Location: Virginia, VA 20146

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


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Banner Capital Bank

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 Banner Capital Bank
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Branches

Banner Capital Bank 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


Banner Capital Bank Locations

Financial Details

Banner Capital Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Banner Capital Bank. 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 Capital Bank U.S. Bank Average
2.04% 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, Banner Capital Bank had $315,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,043,000 in equity and $1,425,000 in loans loss reserves. That gives it a Texas Ratio of 2.04%. 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
Banner Capital Bank U.S. Bank Average
11.03% 8.58

Banner Capital Bank has a Return on Equity of 11.03% 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
Banner Capital Bank U.S. Bank Average
10.88% 12.11

Banner Capital Bank has a Capitalization of 10.88% 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.

Banner Capital Bank Balance Sheet Analysis

As of June 30, 2017, Banner Capital Bank had assets of $129,062,000, loans of $112,881,000, and deposits of $105,539,000. 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 Banner Capital Bank

Branches and Savings

Is Banner Capital Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19274.

Why does Banner Capital Bank pay such low interest on savings accounts?

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

Why are Banner Capital Bank CD rates not competitive?

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

Is Banner Capital Bank a commercial bank?

Yes

Where are Banner Capital Bank locations?

See branch locations nearby.

Is Banner Capital Bank open on Saturdays?

Is Banner Capital Bank open on Sundays?

What time does Banner Capital Bank open?

What time does Banner Capital Bank close?

Are Banner Capital Bank ATMs Open 24/7?

Do Banner Capital Bank ATMs accept cash deposits?

Can Banner Capital Bank customers use other ATMs?

Do Banner Capital Bank branches have notaries?

Will Banner Capital Bank notarize my document?

What address for Banner Capital Bank should I put for incoming ACH transfers?

Will the Banner Capital Bank branch print checks?

Do Banner Capital Bank checks expire?

Does Banner Capital Bank require US citizenship to open account?

Can Banner Capital Bank close my account?

Does Banner Capital Bank Report to credit bureaus?

Does Banner Capital Bank Use Equifax?

What is Banner Capital Bank's ACH Routing Number?

What is Banner Capital Bank's SWIFT code?

Products

Does Banner Capital Bank offer mortgages?

Compare mortgage rates here.

Does Banner Capital Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Banner Capital Bank offer personal loans?

Compare personal loan rates here.

Does Banner Capital Bank offer student loans?

Will Banner Capital Bank cash a check?

Will Banner Capital Bank redeem a savings bond?

Does Banner Capital Bank cash savings bonds?

Will Banner Capital Bank cash money orders?

Can Banner Capital Bank issue a money order?

Does Banner Capital Bank do currency exchange?

Background on The Bank

Who owns Banner Capital Bank?

How long has Banner Capital Bank been around?

Can Banner Capital Bank transfer to other banks?

Does Banner Capital Bank have quick pay?

Does Banner Capital Bank accept rolled coins?

Will Banner Capital Bank accept loose change?

Where is Banner Capital Bank headquarters?

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