Bridge City State Bank

701 West Round Bunch Road
Bridge City, TX 77611

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 18155
Date Established 1960
Assets $0.19 billion
Loans $0.06 billion
Deposits $0.18 billion
Capital $0.02 billion

Bridge City State Bank is an FDIC insured institution located in Bridge City, TX. It was founded in 1960 and has approximately $0.19 billion in assets. Customers can open an account at one of its 2 branches.

For a more detailed analysis of Bridge City State 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 Bridge City State Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Texas, Bridge City State Bank has a significantly higher percent of Small Business Loans, Construction and Development 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 26.10
Multifamily
Mortgages
3.92
Credit Card Loans 0.00
Consumer Auto Loans 0.74
Small Business Loans 24.48
Construction and Development Loans 17.60
Commercial Real Estate 32.83
Commercial and Industrial Loans 14.59
Farm Loans 0.70

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bridge City State 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 Bridge City State 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 Bridge City State Bank
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Branches

Bridge City State 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


Bridge City State Bank Locations

Financial Details

Bridge City State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bridge City State 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
Bridge City State Bank U.S. Bank Average
4.17% 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, Bridge City State Bank had $468,000 in non-current loans and $307,000 in owned real estate. To cover these potential losses it had $17,948,000 in equity and $628,000 in loans loss reserves. That gives it a Texas Ratio of 4.17%. 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
Bridge City State Bank U.S. Bank Average
9.12% 8.58

Bridge City State Bank has a Return on Equity of 9.12% 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
Bridge City State Bank U.S. Bank Average
9.25% 12.11

Bridge City State Bank has a Capitalization of 9.25% 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.

Bridge City State Bank Balance Sheet Analysis

As of June 30, 2017, Bridge City State Bank had assets of $194,000,000, loans of $57,859,000, and deposits of $175,776,000. 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 Bridge City State Bank

Branches and Savings

Is Bridge City State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18155.

Why does Bridge City State Bank pay such low interest on savings accounts?

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

Why are Bridge City State Bank CD rates not competitive?

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

Is Bridge City State Bank a commercial bank?

Yes

Where are Bridge City State Bank locations?

See branch locations nearby.

Is Bridge City State Bank open on Saturdays?

Is Bridge City State Bank open on Sundays?

What time does Bridge City State Bank open?

What time does Bridge City State Bank close?

Are Bridge City State Bank ATMs Open 24/7?

Do Bridge City State Bank ATMs accept cash deposits?

Can Bridge City State Bank customers use other ATMs?

Do Bridge City State Bank branches have notaries?

Will Bridge City State Bank notarize my document?

What address for Bridge City State Bank should I put for incoming ACH transfers?

Will the Bridge City State Bank branch print checks?

Do Bridge City State Bank checks expire?

Does Bridge City State Bank require US citizenship to open account?

Can Bridge City State Bank close my account?

Does Bridge City State Bank Report to credit bureaus?

Does Bridge City State Bank Use Equifax?

What is Bridge City State Bank's ACH Routing Number?

What is Bridge City State Bank's SWIFT code?

Products

Does Bridge City State Bank offer mortgages?

Compare mortgage rates here.

Does Bridge City State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bridge City State Bank offer personal loans?

Compare personal loan rates here.

Does Bridge City State Bank offer student loans?

Will Bridge City State Bank cash a check?

Will Bridge City State Bank redeem a savings bond?

Does Bridge City State Bank cash savings bonds?

Will Bridge City State Bank cash money orders?

Can Bridge City State Bank issue a money order?

Does Bridge City State Bank do currency exchange?

Background on The Bank

Who owns Bridge City State Bank?

How long has Bridge City State Bank been around?

Can Bridge City State Bank transfer to other banks?

Does Bridge City State Bank have quick pay?

Does Bridge City State Bank accept rolled coins?

Will Bridge City State Bank accept loose change?

Where is Bridge City State Bank headquarters?

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