B&L Bank

205 South 13th Street
Lexington, MO 64067

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30691
Date Established 1887
Assets $0.12 billion
Loans $0.07 billion
Deposits $0.11 billion
Capital $0.02 billion

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.

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.

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 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

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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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.

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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. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
B&L Bank U.S. Bank Average
10.43% 9.11%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2016, 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%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
B&L Bank U.S. Bank Average
4.91% 9.45%

B&L Bank has a Return on Equity of 4.91% versus the BestCashCow average of 9.45%. 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% 11.28%

B&L Bank has a Capitalization of 12.68% versus the BestCashCow average of 11.28%. 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.

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