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 in Mississippi, Britton & Koontz Bank, N.A. has a significantly higher percent of Multifamily Mortgages 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 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

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

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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. 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
Britton & Koontz Bank, N.A. U.S. Bank Average
6.9% 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, 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% 9.45%

Britton & Koontz Bank, N.A. has a Return on Equity of 2.67% 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
Britton & Koontz Bank, N.A. U.S. Bank Average
13.7% 11.28%

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

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.

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