Big Bend Banks, N.A.

Headquarters

301 South Highland Avenue
Marfa, TX 79843
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 0.95% →
1-Year CD 0.30% 1.01% →
2-Year CD 0.40% 0.95% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Big Bend Banks, N.A. is an FDIC insured institution located in Marfa, TX. It was founded in 1907 and has approximately $0.17 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 3320
Date Established 1907
Assets $ 167.97 million
Loans $ 20.44 million
Deposits $ 119.22 million
Capital $ 15.59 million
 

For a more detailed analysis of Big Bend Banks, N.A.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.03% $2,500 $4,999 Learn More
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
24 Mo CD
0.35% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.45% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 24, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Big Bend Banks, N.A.

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
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 - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Big Bend Banks, N.A.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Big Bend Banks, N.A. 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


Big Bend Banks, N.A. Locations


Financial Details

Big Bend Banks, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Big Bend Banks, N.A.. 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
Big Bend Banks, N.A. U.S. Bank Average
0% 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, Big Bend Banks, N.A. had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $15,589,000 in equity and $646,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Big Bend Banks, N.A. U.S. Bank Average
8.62% 7.80%

Big Bend Banks, N.A. has a Return on Equity of 8.62% 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.

Capitalization
Big Bend Banks, N.A. U.S. Bank Average
9.28% 12.68%

Big Bend Banks, N.A. has a Capitalization of 9.28% 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.

Big Bend Banks, N.A. Balance Sheet Analysis

As of March 31, 2020, Big Bend Banks, N.A. had assets of $167,969,000, loans of $20,435,000, and deposits of $119,219,000. 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
ASSETS
Cash & Balances due from depository institutions $ 9.11 million
Interest-bearing balances $ 3.58 million
Total securities $ 131.87 million
Federal funds sold and reverse repurchase $ 1.36 million
Net loans and leases $ 20.44 million
Loan loss allowance $ 0.65 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.66 million
     Total Assets $ 152.38 million
LIABILITIES
Total deposits $ 119.22 million
      Interest-bearing deposits $ 65.91 million
      Deposits held in domestic offices $ 119.22 million
      % insured (estimated) 69.61%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 33.00 million
Subordinated debt N.A.
All other liabilities $ 0.16 million
      Total Liabilities $ 152.38 million
      Shareholders’ Equity $ 15.59 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.97 million
Total Interest Expense $ 0.02 million
Net interest income $ 0.95 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.29 million
Total non interest expense $ 0.83 million
Pre-tax Net Operating Income $ 0.41 million

Bank Loan Profile?

The top three loan types in Big Bend Banks, N.A.’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Farm Loans.

Compared to other banks, Big Bend Banks, N.A.’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 17.57
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.27
Small Business Loans 0.00
Construction and Development Loans 6.81
Commercial Real Estate 36.24
Commercial and Industrial Loans 9.53
Farm Loans 10.37

Frequently Asked Questions About Big Bend Banks, N.a.

Branches and Savings

Is Big Bend Banks, N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #3320.

Why does Big Bend Banks, N.a. pay such low interest on savings accounts?

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

Why are Big Bend Banks, N.a. CD rates not competitive?

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

Is Big Bend Banks, N.a. a commercial bank?

Yes

Where are Big Bend Banks, N.a. locations?

See branch locations nearby.

Is Big Bend Banks, N.a. open on Saturdays?

Is Big Bend Banks, N.a. open on Sundays?

What time does Big Bend Banks, N.a. open?

What time does Big Bend Banks, N.a. close?

Are Big Bend Banks, N.a. ATMs Open 24/7?

Do Big Bend Banks, N.a. ATMs accept cash deposits?

Can Big Bend Banks, N.a. customers use other ATMs?

Do Big Bend Banks, N.a. branches have notaries?

Will Big Bend Banks, N.a. notarize my document?

What address for Big Bend Banks, N.a. should I put for incoming ACH transfers?

Will the Big Bend Banks, N.a. branch print checks?

Do Big Bend Banks, N.a. checks expire?

Does Big Bend Banks, N.a. require US citizenship to open account?

Can Big Bend Banks, N.a. close my account?

Does Big Bend Banks, N.a. Report to credit bureaus?

Does Big Bend Banks, N.a. Use Equifax?

What is Big Bend Banks, N.a.'s ACH Routing Number?

What is Big Bend Banks, N.a.'s SWIFT code?

Products

Does Big Bend Banks, N.a. offer mortgages?

Compare mortgage rates here.

Does Big Bend Banks, N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Big Bend Banks, N.a. offer personal loans?

Compare personal loan rates here.

Does Big Bend Banks, N.a. offer student loans?

Will Big Bend Banks, N.a. cash a check?

Will Big Bend Banks, N.a. redeem a savings bond?

Does Big Bend Banks, N.a. cash savings bonds?

Will Big Bend Banks, N.a. cash money orders?

Can Big Bend Banks, N.a. issue a money order?

Does Big Bend Banks, N.a. do currency exchange?

Background on The Bank

Who owns Big Bend Banks, N.a.?

How long has Big Bend Banks, N.a. been around?

Can Big Bend Banks, N.a. transfer to other banks?

Does Big Bend Banks, N.a. have quick pay?

Does Big Bend Banks, N.a. accept rolled coins?

Will Big Bend Banks, N.a. accept loose change?

Where is Big Bend Banks, N.a. headquarters?

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