Banner Capital Bank

Headquarters

205 State St
Harrisburg, NE 69345
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Banner Capital Bank is an FDIC insured institution located in Harrisburg, NE. It was founded in 1964 and has approximately $0.19 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 19274
Date Established 1964
Assets $ 192.89 million
Loans $ 163.73 million
Deposits $ 159.70 million
Capital $ 19.71 million
 

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.

Deposit Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,120 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

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:
Fairfield,Connecticut


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
12.29% 6.94%

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 March 31, 2020, Banner Capital Bank had $2,525,000 in non-current loans and $130,000 in owned real estate. To cover these potential losses it had $19,705,000 in equity and $1,905,000 in loans loss reserves. That gives it a Texas Ratio of 12.29%.

Return on Equity
Banner Capital Bank U.S. Bank Average
7.63% 7.80%

Banner Capital Bank has a Return on Equity of 7.63% versus the BestCashCow average of 7.80%. 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 Capital Bank U.S. Bank Average
10.22% 12.68%

Banner Capital Bank has a Capitalization of 10.22% versus the BestCashCow average of 12.68. 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 March 31, 2020, Banner Capital Bank had assets of $192,893,000, loans of $163,733,000, and deposits of $159,702,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 10.35 million
Interest-bearing balances $ 7.23 million
Total securities $ 10.78 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 163.73 million
Loan loss allowance $ 1.91 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.13 million
Goodwill and other intangibles $ 0.65 million
All other assets $ 3.83 million
     Total Assets $ 173.19 million
LIABILITIES
Total deposits $ 159.70 million
      Interest-bearing deposits $ 140.80 million
      Deposits held in domestic offices $ 159.70 million
      % insured (estimated) 91.05%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 13.00 million
Subordinated debt N.A.
All other liabilities $ 0.49 million
      Total Liabilities $ 173.19 million
      Shareholders’ Equity $ 19.71 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.38 million
Total Interest Expense $ 0.64 million
Net interest income $ 1.73 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 0.09 million
Total non interest expense $ 1.36 million
Pre-tax Net Operating Income $ 0.39 million

Bank Loan Profile?

The top three loan types in Banner Capital Bank’s loan portfolio are Farm Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Nebraska, Banner Capital Bank 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 4.14
Multifamily
Mortgages
0.19
Credit Card Loans 0.00
Consumer Auto Loans 1.65
Small Business Loans 8.19
Construction and Development Loans 0.53
Commercial Real Estate 19.75
Commercial and Industrial Loans 13.70
Farm Loans 28.43

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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