Brush Country Bank

902 E Riley St
Freer, TX 78357


General Bank Information

FDIC Insured Yes
FDIC Certificate # 17881
Date Established 1958
Assets $0.04 billion
Loans $0.01 billion
Deposits $0.04 billion
Capital $0.00 billion

Brush Country Bank is an FDIC insured institution located in Freer, TX. It was founded in 1958 and has approximately $0.04 billion in assets.

For a more detailed analysis of Brush Country 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 Brush Country Bank’s loan portfolio are Commercial and Industrial Loans, Consumer Auto Loans, and Commercial Real Estate.

Compared to other banks in Texas, Brush Country Bank has a significantly higher percent of Consumer Auto Loans, Commercial and Industrial 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.99
Credit Card Loans 0.00
Consumer Auto Loans 16.49
Small Business Loans 8.73
Construction and Development Loans 7.95
Commercial Real Estate 14.66
Commercial and Industrial Loans 38.71
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

6 Mo CD 10K
0.62% $1,500 $99,999 Learn MoreShow Less
6 Mo CD 100K
0.67% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA 0K
1.29% $1,000 - Learn MoreShow Less
MM 10K
0.50% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.50% $1,000 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Brush Country 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 2018

Lender APR Rate (%) Points Fees Monthly
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AmeriSave Mortgage Corporation
NMLS ID: 1168
4.797% 4.750% 0.00 $1,352 $1,305 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.792% 4.750% 0.00 $1,225 $1,305 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.411% 4.375% 0.00 $1,167 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to Brush Country Bank
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Financial Details

Brush Country Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Brush Country 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
Brush Country Bank U.S. Bank Average
2.61% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2018, Brush Country Bank had $115,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,187,000 in equity and $219,000 in loans loss reserves. That gives it a Texas Ratio of 2.61%.

Return on Equity
Brush Country Bank U.S. Bank Average
-3.6% 9.35%

Brush Country Bank has a Return on Equity of -3.6% versus the BestCashCow average of 9.35%. 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.

Brush Country Bank U.S. Bank Average
10.18% 12.01%

Brush Country Bank has a Capitalization of 10.18% versus the BestCashCow average of 12.01. 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.

Brush Country Bank Balance Sheet Analysis

As of March 31, 2018, Brush Country Bank had assets of $41,138,000, loans of $13,627,000, and deposits of $36,840,000. 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

Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.01 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.04 billion
Total deposits $0.04 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 83.01%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.04 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $-0.00 billion

Frequently Asked Questions About Brush Country Bank

Branches and Savings

Is Brush Country Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17881.

Why does Brush Country Bank pay such low interest on savings accounts?

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

Why are Brush Country Bank CD rates not competitive?

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

Is Brush Country Bank a commercial bank?


Where are Brush Country Bank locations?

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Is Brush Country Bank open on Saturdays?

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Are Brush Country Bank ATMs Open 24/7?

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Do Brush Country Bank branches have notaries?

Will Brush Country Bank notarize my document?

What address for Brush Country Bank should I put for incoming ACH transfers?

Will the Brush Country Bank branch print checks?

Do Brush Country Bank checks expire?

Does Brush Country Bank require US citizenship to open account?

Can Brush Country Bank close my account?

Does Brush Country Bank Report to credit bureaus?

Does Brush Country Bank Use Equifax?

What is Brush Country Bank's ACH Routing Number?

What is Brush Country Bank's SWIFT code?


Does Brush Country Bank offer mortgages?

Compare mortgage rates here.

Does Brush Country Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Brush Country Bank offer personal loans?

Compare personal loan rates here.

Does Brush Country Bank offer student loans?

Will Brush Country Bank cash a check?

Will Brush Country Bank redeem a savings bond?

Does Brush Country Bank cash savings bonds?

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Does Brush Country Bank do currency exchange?

Background on The Bank

Who owns Brush Country Bank?

How long has Brush Country Bank been around?

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Will Brush Country Bank accept loose change?

Where is Brush Country Bank headquarters?

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