Bartow County Bank


301 East Church Street
Cartersville, GA 30120
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
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

Bartow County Bank is an FDIC insured institution located in Cartersville, GA. It was founded in 1974 and has approximately $0.31 billion in assets.

Bartow County Bank, Cartersville, Georgia, was closed on April 15, 2011 by the Georgia Department of Banking and Finance, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect the depositors, the FDIC entered into a purchase and assumption agreement with Hamilton State Bank, Hoschton, Georgia, to assume all of the deposits of Bartow County Bank.

FDIC Insured Yes
FDIC Certificate # 21495
Date Established 1974
Assets $ 314.02 million
Loans $ 221.21 million
Deposits $ 290.01 million
Capital $ 0.85 million

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

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98109

Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bartow County Bank

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

Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
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Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Bartow County Bank
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Financial Details

Bartow County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bartow County Bank. 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
Bartow County Bank U.S. Bank Average
3380.34% 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, Bartow County Bank had $39,897,000 in non-current loans and $22,876,000 in owned real estate. To cover these potential losses it had $852,000 in equity and $1,005,000 in loans loss reserves. That gives it a Texas Ratio of 3380.34%.

Return on Equity
Bartow County Bank U.S. Bank Average
-421.85% 7.80%

Bartow County Bank has a Return on Equity of -421.85% 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.

Bartow County Bank U.S. Bank Average
0.27% 12.68%

Bartow County Bank has a Capitalization of 0.27% 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.

Bartow County Bank Balance Sheet Analysis

As of March 31, 2011, Bartow County Bank had assets of $314,019,000, loans of $221,211,000, and deposits of $290,005,000. 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
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 221.21 million
Loan loss allowance $ 1.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 22.88 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 290.01 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 314.02 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Bartow County Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bartow County 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.

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

Frequently Asked Questions About Bartow County Bank

Branches and Savings

Is Bartow County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #21495.

Why does Bartow County Bank pay such low interest on savings accounts?

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

Why are Bartow County Bank CD rates not competitive?

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

Is Bartow County Bank a commercial bank?


Where are Bartow County Bank locations?

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Is Bartow County Bank open on Saturdays?

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Are Bartow County Bank ATMs Open 24/7?

Do Bartow County Bank ATMs accept cash deposits?

Can Bartow County Bank customers use other ATMs?

Do Bartow County Bank branches have notaries?

Will Bartow County Bank notarize my document?

What address for Bartow County Bank should I put for incoming ACH transfers?

Will the Bartow County Bank branch print checks?

Do Bartow County Bank checks expire?

Does Bartow County Bank require US citizenship to open account?

Can Bartow County Bank close my account?

Does Bartow County Bank Report to credit bureaus?

Does Bartow County Bank Use Equifax?

What is Bartow County Bank's ACH Routing Number?

What is Bartow County Bank's SWIFT code?


Does Bartow County Bank offer mortgages?

Compare mortgage rates here.

Does Bartow County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bartow County Bank offer personal loans?

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Does Bartow County Bank offer student loans?

Will Bartow County Bank cash a check?

Will Bartow County Bank redeem a savings bond?

Does Bartow County Bank cash savings bonds?

Will Bartow County Bank cash money orders?

Can Bartow County Bank issue a money order?

Does Bartow County Bank do currency exchange?

Background on The Bank

Who owns Bartow County Bank?

How long has Bartow County Bank been around?

Can Bartow County Bank transfer to other banks?

Does Bartow County Bank have quick pay?

Does Bartow County Bank accept rolled coins?

Will Bartow County Bank accept loose change?

Where is Bartow County Bank headquarters?

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