BB&T Financial, FSB

4 Bradley Park Court, Suite 1c
Columbus, GA 31904

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34780
Date Established 1998
Assets $2.83 billion
Loans $2.40 billion
Deposits $0.92 billion
Capital $0.67 billion

BB&T Financial, FSB is an FDIC insured institution located in Columbus, GA. It was founded in 1998 and has approximately $2.83 billion in assets.

For a more detailed analysis of BB&T Financial, FSB'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 BB&T Financial, FSB’s loan portfolio are Credit Card Loans, Commercial and Industrial Loans, and Consumer Auto Loans.

Compared to other banks in Georgia, BB&T Financial, FSB has a significantly higher percent of Credit Card Loans, Commercial and Industrial 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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 70.10
Consumer Auto Loans 0.34
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 21.37
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bb&t Financial, Fsb, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BB&T Financial, FSB

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

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4.411% 4.375% 0.00 $1,190 $1,249 Learn More
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NMLS ID: 401822
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Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

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Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to BB&T Financial, FSB
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Branches

BB&T Financial, FSB 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


BB&T Financial, FSB Locations

Financial Details

BB&T Financial, FSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BB&T Financial, FSB. 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
BB&T Financial, FSB U.S. Bank Average
1.96% 7.92%

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 March 31, 2018, BB&T Financial, FSB had $15,041,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $669,219,000 in equity and $99,178,000 in loans loss reserves. That gives it a Texas Ratio of 1.96%.

Return on Equity
BB&T Financial, FSB U.S. Bank Average
25.55% 9.35%

BB&T Financial, FSB has a Return on Equity of 25.55% versus the BestCashCow average of 9.35%. 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
BB&T Financial, FSB U.S. Bank Average
23.65% 12.01%

BB&T Financial, FSB has a Capitalization of 23.65% versus the BestCashCow average of 12.01. 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.

BB&T Financial, FSB Balance Sheet Analysis

As of December 31, 2012, BB&T Financial, FSB had assets of $2,829,941,000, loans of $2,398,043,000, and deposits of $924,338,000. 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 $2.40 billion
Loan loss allowance $0.10 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 $0.92 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 $2.83 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 Bb&t Financial, Fsb

Branches and Savings

Is Bb&t Financial, Fsb FDIC insured?

Yes. It is covered under FDIC Certificate #34780.

Why does Bb&t Financial, Fsb pay such low interest on savings accounts?

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

Why are Bb&t Financial, Fsb CD rates not competitive?

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

Is Bb&t Financial, Fsb a commercial bank?

Yes

Where are Bb&t Financial, Fsb locations?

See branch locations nearby.

Is Bb&t Financial, Fsb open on Saturdays?

Is Bb&t Financial, Fsb open on Sundays?

What time does Bb&t Financial, Fsb open?

What time does Bb&t Financial, Fsb close?

Are Bb&t Financial, Fsb ATMs Open 24/7?

Do Bb&t Financial, Fsb ATMs accept cash deposits?

Can Bb&t Financial, Fsb customers use other ATMs?

Do Bb&t Financial, Fsb branches have notaries?

Will Bb&t Financial, Fsb notarize my document?

What address for Bb&t Financial, Fsb should I put for incoming ACH transfers?

Will the Bb&t Financial, Fsb branch print checks?

Do Bb&t Financial, Fsb checks expire?

Does Bb&t Financial, Fsb require US citizenship to open account?

Can Bb&t Financial, Fsb close my account?

Does Bb&t Financial, Fsb Report to credit bureaus?

Does Bb&t Financial, Fsb Use Equifax?

What is Bb&t Financial, Fsb's ACH Routing Number?

What is Bb&t Financial, Fsb's SWIFT code?

Products

Does Bb&t Financial, Fsb offer mortgages?

Compare mortgage rates here.

Does Bb&t Financial, Fsb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bb&t Financial, Fsb offer personal loans?

Compare personal loan rates here.

Does Bb&t Financial, Fsb offer student loans?

Will Bb&t Financial, Fsb cash a check?

Will Bb&t Financial, Fsb redeem a savings bond?

Does Bb&t Financial, Fsb cash savings bonds?

Will Bb&t Financial, Fsb cash money orders?

Can Bb&t Financial, Fsb issue a money order?

Does Bb&t Financial, Fsb do currency exchange?

Background on The Bank

Who owns Bb&t Financial, Fsb?

How long has Bb&t Financial, Fsb been around?

Can Bb&t Financial, Fsb transfer to other banks?

Does Bb&t Financial, Fsb have quick pay?

Does Bb&t Financial, Fsb accept rolled coins?

Will Bb&t Financial, Fsb accept loose change?

Where is Bb&t Financial, Fsb headquarters?

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