B&L Bank

Headquarters

205 South 13th Street
Lexington, MO 64067
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

B&L Bank is an FDIC insured institution located in Lexington, MO. It was founded in 1887 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 30691
Date Established 1887
Assets $ 121.57 million
Loans $ 72.23 million
Deposits $ 105.60 million
Capital $ 15.41 million
 

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

Deposit Rates - October 28, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for B&L 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.669% 2.625% 0.63 $1,450 $1,005 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 B&L Bank
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Branches

B&L 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


B&L Bank Locations


Financial Details

B&L Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of B&L 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
B&L Bank U.S. Bank Average
10.43% 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, B&L Bank had $1,666,000 in non-current loans and $97,000 in owned real estate. To cover these potential losses it had $15,410,000 in equity and $1,496,000 in loans loss reserves. That gives it a Texas Ratio of 10.43%.

Return on Equity
B&L Bank U.S. Bank Average
4.91% 7.80%

B&L Bank has a Return on Equity of 4.91% 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
B&L Bank U.S. Bank Average
12.68% 12.68%

B&L Bank has a Capitalization of 12.68% 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.

B&L Bank Balance Sheet Analysis

As of June 30, 2016, B&L Bank had assets of $121,567,000, loans of $72,226,000, and deposits of $105,604,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 72.23 million
Loan loss allowance $ 1.50 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.10 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 105.60 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 121.57 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Missouri, B&L Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business 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 59.52
Multifamily
Mortgages
1.21
Credit Card Loans 0.00
Consumer Auto Loans 0.86
Small Business Loans 10.37
Construction and Development Loans 3.02
Commercial Real Estate 10.37
Commercial and Industrial Loans 4.13
Farm Loans 9.30

Frequently Asked Questions About B&l Bank

Branches and Savings

Is B&l Bank FDIC insured?

Yes. It is covered under FDIC Certificate #30691.

Why does B&l Bank pay such low interest on savings accounts?

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

Why are B&l Bank CD rates not competitive?

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

Is B&l Bank a commercial bank?

Yes

Where are B&l Bank locations?

See branch locations nearby.

Is B&l Bank open on Saturdays?

Is B&l Bank open on Sundays?

What time does B&l Bank open?

What time does B&l Bank close?

Are B&l Bank ATMs Open 24/7?

Do B&l Bank ATMs accept cash deposits?

Can B&l Bank customers use other ATMs?

Do B&l Bank branches have notaries?

Will B&l Bank notarize my document?

What address for B&l Bank should I put for incoming ACH transfers?

Will the B&l Bank branch print checks?

Do B&l Bank checks expire?

Does B&l Bank require US citizenship to open account?

Can B&l Bank close my account?

Does B&l Bank Report to credit bureaus?

Does B&l Bank Use Equifax?

What is B&l Bank's ACH Routing Number?

What is B&l Bank's SWIFT code?

Products

Does B&l Bank offer mortgages?

Compare mortgage rates here.

Does B&l Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does B&l Bank offer personal loans?

Compare personal loan rates here.

Does B&l Bank offer student loans?

Will B&l Bank cash a check?

Will B&l Bank redeem a savings bond?

Does B&l Bank cash savings bonds?

Will B&l Bank cash money orders?

Can B&l Bank issue a money order?

Does B&l Bank do currency exchange?

Background on The Bank

Who owns B&l Bank?

How long has B&l Bank been around?

Can B&l Bank transfer to other banks?

Does B&l Bank have quick pay?

Does B&l Bank accept rolled coins?

Will B&l Bank accept loose change?

Where is B&l Bank headquarters?

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