Branson Bank


1501 State Highway 248
Branson, MO 65616
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Notable Rates APY Vs.Others
Savings 0.20% 1.00% →
1-Year CD 0.50% 0.95% →
2-Year CD 0.75% 1.05% →
5-Year CD 1.16% 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

Branson Bank is an FDIC insured institution located in Branson, MO. It was founded in 2000 and has approximately $0.23 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 35420
Date Established 2000
Assets $ 227.45 million
Loans $ 184.66 million
Deposits $ 192.53 million
Capital $ 23.65 million

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

Deposit Rates - September 29, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
0.20% $2,500 $4,999 Learn More
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.90% $10,000 $14,999 Learn More
36 Mo CD
0.90% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.16% $10,000 $14,999 Learn More
60 Mo CD
1.16% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
0.30% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 29, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Branson Bank

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,110 $1,021 Learn More
Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.817% 2.750% 0.50 $2,188 $1,021 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Branson Bank
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Financial Details

Branson Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Branson Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Branson Bank U.S. Bank Average
6.56% 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, Branson Bank had $1,551,000 in non-current loans and $136,000 in owned real estate. To cover these potential losses it had $23,649,000 in equity and $2,068,000 in loans loss reserves. That gives it a Texas Ratio of 6.56%.

Return on Equity
Branson Bank U.S. Bank Average
7.32% 7.80%

Branson Bank has a Return on Equity of 7.32% 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.

Branson Bank U.S. Bank Average
10.4% 12.68%

Branson Bank has a Capitalization of 10.4% 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.

Branson Bank Balance Sheet Analysis

As of March 31, 2020, Branson Bank had assets of $227,449,000, loans of $184,662,000, and deposits of $192,527,000. 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
Cash & Balances due from depository institutions $ 6.33 million
Interest-bearing balances $ 2.34 million
Total securities $ 11.00 million
Federal funds sold and reverse repurchase $ 9.97 million
Net loans and leases $ 184.66 million
Loan loss allowance $ 2.07 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.14 million
Goodwill and other intangibles $ 0.17 million
All other assets $ 7.41 million
     Total Assets $ 203.80 million
Total deposits $ 192.53 million
      Interest-bearing deposits $ 142.92 million
      Deposits held in domestic offices $ 192.53 million
      % insured (estimated) 75.03%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.22 million
Subordinated debt N.A.
All other liabilities $ 1.05 million
      Total Liabilities $ 203.80 million
      Shareholders’ Equity $ 23.65 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 2.49 million
Total Interest Expense $ 0.40 million
Net interest income $ 2.09 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.29 million
Total non interest expense $ 1.82 million
Pre-tax Net Operating Income $ 0.54 million

Bank Loan Profile?

The top three loan types in Branson Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Branson Bank has a significantly higher percent of 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 36.04
Credit Card Loans 0.00
Consumer Auto Loans 1.54
Small Business Loans 0.00
Construction and Development Loans 9.56
Commercial Real Estate 36.38
Commercial and Industrial Loans 10.27
Farm Loans 1.23

Frequently Asked Questions About Branson Bank

Branches and Savings

Is Branson Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35420.

Why does Branson Bank pay such low interest on savings accounts?

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

Why are Branson Bank CD rates not competitive?

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

Is Branson Bank a commercial bank?


Where are Branson Bank locations?

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Is Branson Bank open on Saturdays?

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Will the Branson Bank branch print checks?

Do Branson Bank checks expire?

Does Branson Bank require US citizenship to open account?

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Does Branson Bank Report to credit bureaus?

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Does Branson Bank offer mortgages?

Compare mortgage rates here.

Does Branson Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Branson Bank offer personal loans?

Compare personal loan rates here.

Does Branson Bank offer student loans?

Will Branson Bank cash a check?

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Does Branson Bank cash savings bonds?

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Background on The Bank

Who owns Branson Bank?

How long has Branson Bank been around?

Can Branson Bank transfer to other banks?

Does Branson Bank have quick pay?

Does Branson Bank accept rolled coins?

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