Brown County State Bank

Headquarters

101-103 East Main Street
Mount Sterling, IL 62353
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Brown County State Bank is an FDIC insured institution located in Mount Sterling, IL. It was founded in 1901 and has approximately $0.11 billion in assets.

FDIC Insured Yes
FDIC Certificate # 11721
Date Established 1901
Assets $ 110.98 million
Loans $ 79.97 million
Deposits $ 72.45 million
Capital $ 11.21 million
 

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

Deposit Rates - December 5, 2020

Your Current Location: Virginia, VA 20146

 

Loan Rates - December 5, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Brown County 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.696% 2.625% 0.75 $2,335 $1,005 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,905 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Brown County State Bank
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Branches

Brown County 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


Brown County State Bank Locations


Financial Details

Brown County State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Brown County 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
Brown County State Bank U.S. Bank Average
1.98% 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, Brown County State Bank had $197,000 in non-current loans and $48,000 in owned real estate. To cover these potential losses it had $11,206,000 in equity and $1,171,000 in loans loss reserves. That gives it a Texas Ratio of 1.98%.

Return on Equity
Brown County State Bank U.S. Bank Average
14.62% 7.80%

Brown County State Bank has a Return on Equity of 14.62% 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.

Capitalization
Brown County State Bank U.S. Bank Average
10.1% 12.68%

Brown County State Bank has a Capitalization of 10.1% 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.

Brown County State Bank Balance Sheet Analysis

As of June 30, 2016, Brown County State Bank had assets of $113,997,000, loans of $79,968,000, and deposits of $72,450,000. 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
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 79.97 million
Loan loss allowance $ 1.17 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.05 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 72.45 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 110.98 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Brown County State Bank’s loan portfolio are 1-4 Family Residential Loans, Farm Loans, and Commercial and Industrial Loans.

Compared to other banks, Brown County State 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 24.18
Multifamily
Mortgages
1.92
Credit Card Loans 0.00
Consumer Auto Loans 1.63
Small Business Loans 4.44
Construction and Development Loans 2.56
Commercial Real Estate 5.85
Commercial and Industrial Loans 9.16
Farm Loans 12.48

Frequently Asked Questions About Brown County State Bank

Branches and Savings

Is Brown County State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11721.

Why does Brown County 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 Brown County State Bank CD rates not competitive?

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

Is Brown County State Bank a commercial bank?

Yes

Where are Brown County State Bank locations?

See branch locations nearby.

Is Brown County State Bank open on Saturdays?

Is Brown County State Bank open on Sundays?

What time does Brown County State Bank open?

What time does Brown County State Bank close?

Are Brown County State Bank ATMs Open 24/7?

Do Brown County State Bank ATMs accept cash deposits?

Can Brown County State Bank customers use other ATMs?

Do Brown County State Bank branches have notaries?

Will Brown County State Bank notarize my document?

What address for Brown County State Bank should I put for incoming ACH transfers?

Will the Brown County State Bank branch print checks?

Do Brown County State Bank checks expire?

Does Brown County State Bank require US citizenship to open account?

Can Brown County State Bank close my account?

Does Brown County State Bank Report to credit bureaus?

Does Brown County State Bank Use Equifax?

What is Brown County State Bank's ACH Routing Number?

What is Brown County State Bank's SWIFT code?

Products

Does Brown County State Bank offer mortgages?

Compare mortgage rates here.

Does Brown County State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Brown County State Bank offer personal loans?

Compare personal loan rates here.

Does Brown County State Bank offer student loans?

Will Brown County State Bank cash a check?

Will Brown County State Bank redeem a savings bond?

Does Brown County State Bank cash savings bonds?

Will Brown County State Bank cash money orders?

Can Brown County State Bank issue a money order?

Does Brown County State Bank do currency exchange?

Background on The Bank

Who owns Brown County State Bank?

How long has Brown County State Bank been around?

Can Brown County State Bank transfer to other banks?

Does Brown County State Bank have quick pay?

Does Brown County State Bank accept rolled coins?

Will Brown County State Bank accept loose change?

Where is Brown County State Bank headquarters?

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