Breda Savings Bank

105 Main Street
Breda, IA 51436

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 5792
Date Established 1890
Assets $0.06 billion
Loans $0.03 billion
Deposits $0.04 billion
Capital $0.01 billion

Breda Savings Bank is an FDIC insured institution located in Breda, IA. It was founded in 1890 and has approximately $0.06 billion in assets.

For a more detailed analysis of Breda Savings 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 Breda Savings Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Breda Savings Bank’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 28.06
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.86
Small Business Loans 4.19
Construction and Development Loans 0.00
Commercial Real Estate 4.19
Commercial and Industrial Loans 9.46
Farm Loans 28.37

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Breda Savings Bank, but see these great savings and CD rates:

1.25% APY Online Savings Account from Ally Bank
1.60% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Breda Savings 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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
vLoan
NMLS ID: 2229
License#: MC-5591
4.064% 4.000% 0.25 $1,938 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Breda Savings Bank
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Branches

Breda Savings 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


Breda Savings Bank Locations

Financial Details

Breda Savings Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Breda Savings 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
Breda Savings Bank U.S. Bank Average
0% 8.45

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, 2017, Breda Savings Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,211,000 in equity and $511,000 in loans loss reserves. That gives it a Texas Ratio of 0%. 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
Breda Savings Bank U.S. Bank Average
11.56% 8.58

Breda Savings Bank has a Return on Equity of 11.56% versus the BestCashCow average of 8.58. 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
Breda Savings Bank U.S. Bank Average
12.36% 12.11

Breda Savings Bank has a Capitalization of 12.36% versus the BestCashCow average of 12.11. 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.

Breda Savings Bank Balance Sheet Analysis

As of June 30, 2017, Breda Savings Bank had assets of $58,352,000, loans of $27,740,000, and deposits of $37,964,000. 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.

Frequently Asked Questions About Breda Savings Bank

Branches and Savings

Is Breda Savings Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5792.

Why does Breda Savings Bank pay such low interest on savings accounts?

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

Why are Breda Savings Bank CD rates not competitive?

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

Is Breda Savings Bank a commercial bank?

Yes

Where are Breda Savings Bank locations?

See branch locations nearby.

Is Breda Savings Bank open on Saturdays?

Is Breda Savings Bank open on Sundays?

What time does Breda Savings Bank open?

What time does Breda Savings Bank close?

Are Breda Savings Bank ATMs Open 24/7?

Do Breda Savings Bank ATMs accept cash deposits?

Can Breda Savings Bank customers use other ATMs?

Do Breda Savings Bank branches have notaries?

Will Breda Savings Bank notarize my document?

What address for Breda Savings Bank should I put for incoming ACH transfers?

Will the Breda Savings Bank branch print checks?

Do Breda Savings Bank checks expire?

Does Breda Savings Bank require US citizenship to open account?

Can Breda Savings Bank close my account?

Does Breda Savings Bank Report to credit bureaus?

Does Breda Savings Bank Use Equifax?

What is Breda Savings Bank's ACH Routing Number?

What is Breda Savings Bank's SWIFT code?

Products

Does Breda Savings Bank offer mortgages?

Compare mortgage rates here.

Does Breda Savings Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Breda Savings Bank offer personal loans?

Compare personal loan rates here.

Does Breda Savings Bank offer student loans?

Will Breda Savings Bank cash a check?

Will Breda Savings Bank redeem a savings bond?

Does Breda Savings Bank cash savings bonds?

Will Breda Savings Bank cash money orders?

Can Breda Savings Bank issue a money order?

Does Breda Savings Bank do currency exchange?

Background on The Bank

Who owns Breda Savings Bank?

How long has Breda Savings Bank been around?

Can Breda Savings Bank transfer to other banks?

Does Breda Savings Bank have quick pay?

Does Breda Savings Bank accept rolled coins?

Will Breda Savings Bank accept loose change?

Where is Breda Savings Bank headquarters?

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