BCBank, Inc.

107 Pike Street
Philippi, WV 26416

Notable Rates APY Vs.Others
Savings 0.15% 2.25% →
1-Year CD 0.60% 2.25% →
2-Year CD 1.00% 2.50% →
5-Year CD 1.49% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

BCBank, Inc. is an FDIC insured institution located in Philippi, WV. It was founded in 1970 and has approximately $0.14 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 20215
Date Established 1970
Assets $0.14 billion
Loans $0.10 billion
Deposits $0.12 billion
Capital $0.01 billion
 

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

Deposit Rates - December 15, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $19,999 Learn MoreShow Less
Money Market
0.30% $20,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.45% $500 - Learn MoreShow Less
6 Mo CD
0.50% $500 - Learn MoreShow Less
Special: 9 Mo CD
1.79% $500 - Learn MoreShow Less
12 Mo CD
0.60% $500 - Learn MoreShow Less
18 Mo CD
0.70% $500 - Learn MoreShow Less
24 Mo CD
1.00% $500 - Learn MoreShow Less
36 Mo CD
1.10% $500 - Learn MoreShow Less
48 Mo CD
1.25% $500 - Learn MoreShow Less
60 Mo CD
1.49% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.70% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Washington, WA 98101

There are currently no loan rates available for BCBank, Inc.

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% -0.13 ($222) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to BCBank, Inc.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

BCBank, Inc. 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:
Seattle,Washington


BCBank, Inc. Locations


Financial Details

BCBank, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BCBank, Inc.. 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
BCBank, Inc. U.S. Bank Average
13.09% 6.77%

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 June 30, 2019, BCBank, Inc. had $311,000 in non-current loans and $1,543,000 in owned real estate. To cover these potential losses it had $13,043,000 in equity and $1,123,000 in loans loss reserves. That gives it a Texas Ratio of 13.09%.

Return on Equity
BCBank, Inc. U.S. Bank Average
4.4% 9.50%

BCBank, Inc. has a Return on Equity of 4.4% versus the BestCashCow average of 9.50%. 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
BCBank, Inc. U.S. Bank Average
9.33% 12.76%

BCBank, Inc. has a Capitalization of 9.33% versus the BestCashCow average of 12.76. 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.

BCBank, Inc. Balance Sheet Analysis

As of June 30, 2019, BCBank, Inc. had assets of $139,781,000, loans of $99,222,000, and deposits of $117,061,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 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 $0.01 billion
     Total Assets $0.13 billion
LIABILITIES
Total deposits $0.12 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 83.05%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.13 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
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

Bank Loan Profile?

The top three loan types in BCBank, Inc.’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in West Virginia, BCBank, Inc. has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate 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 23.50
Multifamily
Mortgages
7.03
Credit Card Loans 0.00
Consumer Auto Loans 3.02
Small Business Loans 33.02
Construction and Development Loans 5.06
Commercial Real Estate 46.90
Commercial and Industrial Loans 7.83
Farm Loans 0.00

Frequently Asked Questions About Bcbank, Inc.

Branches and Savings

Is Bcbank, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #20215.

Why does Bcbank, Inc. pay such low interest on savings accounts?

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

Why are Bcbank, Inc. CD rates not competitive?

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

Is Bcbank, Inc. a commercial bank?

Yes

Where are Bcbank, Inc. locations?

See branch locations nearby.

Is Bcbank, Inc. open on Saturdays?

Is Bcbank, Inc. open on Sundays?

What time does Bcbank, Inc. open?

What time does Bcbank, Inc. close?

Are Bcbank, Inc. ATMs Open 24/7?

Do Bcbank, Inc. ATMs accept cash deposits?

Can Bcbank, Inc. customers use other ATMs?

Do Bcbank, Inc. branches have notaries?

Will Bcbank, Inc. notarize my document?

What address for Bcbank, Inc. should I put for incoming ACH transfers?

Will the Bcbank, Inc. branch print checks?

Do Bcbank, Inc. checks expire?

Does Bcbank, Inc. require US citizenship to open account?

Can Bcbank, Inc. close my account?

Does Bcbank, Inc. Report to credit bureaus?

Does Bcbank, Inc. Use Equifax?

What is Bcbank, Inc.'s ACH Routing Number?

What is Bcbank, Inc.'s SWIFT code?

Products

Does Bcbank, Inc. offer mortgages?

Compare mortgage rates here.

Does Bcbank, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bcbank, Inc. offer personal loans?

Compare personal loan rates here.

Does Bcbank, Inc. offer student loans?

Will Bcbank, Inc. cash a check?

Will Bcbank, Inc. redeem a savings bond?

Does Bcbank, Inc. cash savings bonds?

Will Bcbank, Inc. cash money orders?

Can Bcbank, Inc. issue a money order?

Does Bcbank, Inc. do currency exchange?

Background on The Bank

Who owns Bcbank, Inc.?

How long has Bcbank, Inc. been around?

Can Bcbank, Inc. transfer to other banks?

Does Bcbank, Inc. have quick pay?

Does Bcbank, Inc. accept rolled coins?

Will Bcbank, Inc. accept loose change?

Where is Bcbank, Inc. headquarters?

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