Britton & Koontz Bank, N.A.

500 Main Street
Natchez, MS 39120

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4995
Date Established 1933
Assets $0.30 billion
Loans $0.17 billion
Deposits $0.22 billion
Capital $0.04 billion

Britton & Koontz Bank, N.A. is an FDIC insured institution located in Natchez, MS. It was founded in 1933 and has approximately $0.3 billion in assets.

For a more detailed analysis of Britton & Koontz Bank, N.A.'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 Britton & Koontz Bank, N.A.’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks, Britton & Koontz Bank, N.A.’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 35.85
Multifamily
Mortgages
3.48
Credit Card Loans 0.00
Consumer Auto Loans 0.69
Small Business Loans 8.09
Construction and Development Loans 12.01
Commercial Real Estate 32.20
Commercial and Industrial Loans 11.50
Farm Loans 0.53

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Britton & Koontz Bank, N.a., 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 Britton & Koontz Bank, N.A.

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 Britton & Koontz Bank, N.A.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Britton & Koontz Bank, N.A. 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


Britton & Koontz Bank, N.A. Locations

Financial Details

Britton & Koontz Bank, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Britton & Koontz Bank, N.A.. 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
Britton & Koontz Bank, N.A. U.S. Bank Average
6.9% 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, Britton & Koontz Bank, N.A. had $281,000 in non-current loans and $2,715,000 in owned real estate. To cover these potential losses it had $41,237,000 in equity and $2,190,000 in loans loss reserves. That gives it a Texas Ratio of 6.9%. 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
Britton & Koontz Bank, N.A. U.S. Bank Average
2.67% 8.58

Britton & Koontz Bank, N.A. has a Return on Equity of 2.67% 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
Britton & Koontz Bank, N.A. U.S. Bank Average
13.7% 12.11

Britton & Koontz Bank, N.A. has a Capitalization of 13.7% 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.

Britton & Koontz Bank, N.A. Balance Sheet Analysis

As of December 31, 2013, Britton & Koontz Bank, N.A. had assets of $301,107,000, loans of $174,816,000, and deposits of $222,090,000. 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 Britton & Koontz Bank, N.A.

Branches and Savings

Is Britton & Koontz Bank, N.A. FDIC insured?

Yes. It is covered under FDIC Certificate #4995.

Why does Britton & Koontz Bank, N.A. pay such low interest on savings accounts?

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

Why are Britton & Koontz Bank, N.A. CD rates not competitive?

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

Is Britton & Koontz Bank, N.A. a commercial bank?

Yes

Where are Britton & Koontz Bank, N.A. locations?

See branch locations nearby.

Is Britton & Koontz Bank, N.A. open on Saturdays?

Is Britton & Koontz Bank, N.A. open on Sundays?

What time does Britton & Koontz Bank, N.A. open?

What time does Britton & Koontz Bank, N.A. close?

Are Britton & Koontz Bank, N.A. ATMs Open 24/7?

Do Britton & Koontz Bank, N.A. ATMs accept cash deposits?

Can Britton & Koontz Bank, N.A. customers use other ATMs?

Do Britton & Koontz Bank, N.A. branches have notaries?

Will Britton & Koontz Bank, N.A. notarize my document?

What address for Britton & Koontz Bank, N.A. should I put for incoming ACH transfers?

Will the Britton & Koontz Bank, N.A. branch print checks?

Do Britton & Koontz Bank, N.A. checks expire?

Does Britton & Koontz Bank, N.A. require US citizenship to open account?

Can Britton & Koontz Bank, N.A. close my account?

Does Britton & Koontz Bank, N.A. Report to credit bureaus?

Does Britton & Koontz Bank, N.A. Use Equifax?

What is Britton & Koontz Bank, N.A.'s ACH Routing Number?

What is Britton & Koontz Bank, N.A.'s SWIFT code?

Products

Does Britton & Koontz Bank, N.A. offer mortgages?

Compare mortgage rates here.

Does Britton & Koontz Bank, N.A. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Britton & Koontz Bank, N.A. offer personal loans?

Compare personal loan rates here.

Does Britton & Koontz Bank, N.A. offer student loans?

Will Britton & Koontz Bank, N.A. cash a check?

Will Britton & Koontz Bank, N.A. redeem a savings bond?

Does Britton & Koontz Bank, N.A. cash savings bonds?

Will Britton & Koontz Bank, N.A. cash money orders?

Can Britton & Koontz Bank, N.A. issue a money order?

Does Britton & Koontz Bank, N.A. do currency exchange?

Background on The Bank

Who owns Britton & Koontz Bank, N.A.?

How long has Britton & Koontz Bank, N.A. been around?

Can Britton & Koontz Bank, N.A. transfer to other banks?

Does Britton & Koontz Bank, N.A. have quick pay?

Does Britton & Koontz Bank, N.A. accept rolled coins?

Will Britton & Koontz Bank, N.A. accept loose change?

Where is Britton & Koontz Bank, N.A. headquarters?

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