Bay-Hermann-Berger Bank

501 Market Street
Hermann, MO 65041

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
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

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.553% 4.500% 0.13 $1,550 $1,267 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.544% 4.500% 0.00 $1,305 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.320% 4.250% 0.38 $2,190 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.459% 4.375% 0.00 $2,500 $1,249 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Bay-Hermann-Berger Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Bay-Hermann-Berger 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


Bay-Hermann-Berger Bank Locations

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 BestCashCow.com 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% 8.32%

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 September 30, 2017, 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% 8.84%

Bay-Hermann-Berger Bank has a Return on Equity of 0.12% versus the BestCashCow average of 8.84%. 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
Bay-Hermann-Berger Bank U.S. Bank Average
8.65% 12.21%

Bay-Hermann-Berger Bank has a Capitalization of 8.65% versus the BestCashCow average of 12.21. 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

ASSETS
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
LIABILITIES
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

INCOME AND EXPENSES
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?

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

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

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

Is Bay-hermann-berger Bank a commercial bank?

Yes

Where are Bay-hermann-berger Bank locations?

See branch locations nearby.

Is Bay-hermann-berger Bank open on Saturdays?

Is Bay-hermann-berger Bank open on Sundays?

What time does Bay-hermann-berger Bank open?

What time does Bay-hermann-berger Bank close?

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

Do Bay-hermann-berger Bank ATMs accept cash deposits?

Can Bay-hermann-berger Bank customers use other ATMs?

Do Bay-hermann-berger Bank branches have notaries?

Will Bay-hermann-berger Bank notarize my document?

What address for Bay-hermann-berger Bank should I put for incoming ACH transfers?

Will the Bay-hermann-berger Bank branch print checks?

Do Bay-hermann-berger Bank checks expire?

Does Bay-hermann-berger Bank require US citizenship to open account?

Can Bay-hermann-berger Bank close my account?

Does Bay-hermann-berger Bank Report to credit bureaus?

Does Bay-hermann-berger Bank Use Equifax?

What is Bay-hermann-berger Bank's ACH Routing Number?

What is Bay-hermann-berger Bank's SWIFT code?

Products

Does Bay-hermann-berger Bank offer mortgages?

Compare mortgage rates here.

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?

Compare personal loan rates here.

Does Bay-hermann-berger Bank offer student loans?

Will Bay-hermann-berger Bank cash a check?

Will Bay-hermann-berger Bank redeem a savings bond?

Does Bay-hermann-berger Bank cash savings bonds?

Will Bay-hermann-berger Bank cash money orders?

Can Bay-hermann-berger Bank issue a money order?

Does Bay-hermann-berger Bank do currency exchange?

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?

Will Bay-hermann-berger Bank accept loose change?

Where is Bay-hermann-berger Bank headquarters?

Customer Reviews for Bay-Hermann-Berger Bank

There are currently no comments for Bay-Hermann-Berger Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →