Bay-Hermann-Berger Bank

501 Market Street
Hermann, MO 65041


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18127
Date Established 1911
Assets $0.05 billion
Loans $0.03 billion
Deposits $0.04 billion
Capital $0.00 billion

Bay-Hermann-Berger Bank is an FDIC insured institution located in Hermann, MO. It was founded in 1911 and has approximately $0.05 billion in assets.

For a more detailed analysis of Bay-Hermann-Berger 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 Bay-Hermann-Berger Bank’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Bay-Hermann-Berger 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

Deposit Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bay-hermann-berger Bank, but see these great savings and CD rates:

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Loan Rates - June 17, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bay-Hermann-Berger 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 2019

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Featured - Virginia Home Equity Line Of Credit Rates 2019

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PenFed Credit Union
PenFed Credit Union
5.500 %
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Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
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Financial Details

Bay-Hermann-Berger Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bay-Hermann-Berger 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
Bay-Hermann-Berger Bank U.S. Bank Average
4.82% 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, Bay-Hermann-Berger Bank had $3,000 in non-current loans and $214,000 in owned real estate. To cover these potential losses it had $3,904,000 in equity and $594,000 in loans loss reserves. That gives it a Texas Ratio of 4.82%.

Return on Equity
Bay-Hermann-Berger Bank U.S. Bank Average
0.12% 8.80%

Bay-Hermann-Berger Bank has a Return on Equity of 0.12% 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.

Bay-Hermann-Berger Bank U.S. Bank Average
8.65% 12.29%

Bay-Hermann-Berger Bank has a Capitalization of 8.65% 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.

Bay-Hermann-Berger Bank Balance Sheet Analysis

As of December 31, 2010, Bay-Hermann-Berger Bank had assets of $45,128,000, loans of $25,581,000, and deposits of $41,151,000. 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
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 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 $0.00 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
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 $0.00 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

December 31, 2018
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 Bay-hermann-berger Bank

Branches and Savings

Is Bay-hermann-berger Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18127.

Why does Bay-hermann-berger Bank pay such low interest on savings accounts?

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Why are Bay-hermann-berger Bank CD rates not competitive?

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Is Bay-hermann-berger Bank a commercial bank?


Where are Bay-hermann-berger Bank locations?

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Are Bay-hermann-berger Bank ATMs Open 24/7?

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Do Bay-hermann-berger Bank branches have notaries?

Will Bay-hermann-berger Bank notarize my document?

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Does Bay-hermann-berger Bank offer mortgages?

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Does Bay-hermann-berger Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bay-hermann-berger Bank offer personal loans?

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Does Bay-hermann-berger Bank offer student loans?

Will Bay-hermann-berger Bank cash a check?

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Background on The Bank

Who owns Bay-hermann-berger Bank?

How long has Bay-hermann-berger Bank been around?

Can Bay-hermann-berger Bank transfer to other banks?

Does Bay-hermann-berger Bank have quick pay?

Does Bay-hermann-berger Bank accept rolled coins?

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