Barnes Banking Company

33 South Main Street
Kaysville, UT 84037


General Bank Information

FDIC Insured Yes
FDIC Certificate # 1252
Date Established 1891
Assets $0.71 billion
Loans $0.45 billion
Deposits $0.70 billion
Capital $0.01 billion

Barnes Banking Company is an FDIC insured institution located in Kaysville, UT. It was founded in 1891 and has approximately $0.71 billion in assets.

Barnes Banking Company, Kaysville, Utah, was closed January 15, 2010 by the Utah Department of Financial Institutions, which appointed Federal Deposit Insurance Corporation (FDIC) as receiver.

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

Compared to other banks, Barnes Banking Company’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

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Barnes Banking Company Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Barnes Banking Company. 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
Barnes Banking Company U.S. Bank Average
225.8% 8.87%

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 March 31, 2017, Barnes Banking Company had $161,183,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,130,000 in equity and $65,252,000 in loans loss reserves. That gives it a Texas Ratio of 225.8%. 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
Barnes Banking Company U.S. Bank Average
-237.05% 8.39%

Barnes Banking Company has a Return on Equity of -237.05% versus the BestCashCow average of 8.39%. 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.

Barnes Banking Company U.S. Bank Average
0.86% 11.94%

Barnes Banking Company has a Capitalization of 0.86% versus the BestCashCow average of 11.94%. 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.

Barnes Banking Company Balance Sheet Analysis

As of November 30, -0001, Barnes Banking Company had assets of $709,171,000, loans of $449,819,000, and deposits of $697,109,000. 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.

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