Brown County State Bank

101-103 East Main Street
Mount Sterling, IL 62353


General Bank Information

FDIC Insured Yes
FDIC Certificate # 11721
Date Established 1901
Assets $0.11 billion
Loans $0.08 billion
Deposits $0.07 billion
Capital $0.01 billion

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. Customers can open an account at one of its 2 branches.

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.

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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.18
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

Loan Rates

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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 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% 8.87%

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 March 31, 2017, 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%. 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
Brown County State Bank U.S. Bank Average
14.62% 8.39%

Brown County State Bank has a Return on Equity of 14.62% versus the BestCashCow average of 8.39%. 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.

Brown County State Bank U.S. Bank Average
10.1% 11.94%

Brown County State Bank has a Capitalization of 10.1% versus the BestCashCow average of 11.94%. 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.

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