Bryan Bank & Trust

9971 Ford Avenue
Richmond Hill, GA 31324

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32744
Date Established 1989
Assets $0.21 billion
Loans $0.16 billion
Deposits $0.19 billion
Capital $0.02 billion

Bryan Bank & Trust is an FDIC insured institution located in Richmond Hill, GA. It was founded in 1989 and has approximately $0.21 billion in assets.

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

Compared to other banks in Georgia, Bryan Bank & Trust has a significantly higher percent of Multifamily Mortgages, Construction and Development 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.87
Multifamily
Mortgages
5.95
Credit Card Loans 0.00
Consumer Auto Loans 0.28
Small Business Loans 19.54
Construction and Development Loans 21.55
Commercial Real Estate 34.49
Commercial and Industrial Loans 8.22
Farm Loans 0.01

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for Bryan Bank & Trust, but see these great savings and CD rates:


Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bryan Bank & Trust

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
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 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 Bryan Bank & Trust
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Branches

Bryan Bank & Trust 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


Bryan Bank & Trust Locations

Financial Details

Bryan Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bryan Bank & Trust. 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
Bryan Bank & Trust U.S. Bank Average
51.24% 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, Bryan Bank & Trust had $6,982,000 in non-current loans and $4,777,000 in owned real estate. To cover these potential losses it had $17,898,000 in equity and $5,049,000 in loans loss reserves. That gives it a Texas Ratio of 51.24%. 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
Bryan Bank & Trust U.S. Bank Average
-18.65% 8.58

Bryan Bank & Trust has a Return on Equity of -18.65% 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
Bryan Bank & Trust U.S. Bank Average
8.33% 12.11

Bryan Bank & Trust has a Capitalization of 8.33% 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.

Bryan Bank & Trust Balance Sheet Analysis

As of September 30, 2012, Bryan Bank & Trust had assets of $214,782,000, loans of $161,485,000, and deposits of $192,973,000. 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 Bryan Bank & Trust

Branches and Savings

Is Bryan Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #32744.

Why does Bryan Bank & Trust pay such low interest on savings accounts?

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

Why are Bryan Bank & Trust CD rates not competitive?

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

Is Bryan Bank & Trust a commercial bank?

Yes

Where are Bryan Bank & Trust locations?

See branch locations nearby.

Is Bryan Bank & Trust open on Saturdays?

Is Bryan Bank & Trust open on Sundays?

What time does Bryan Bank & Trust open?

What time does Bryan Bank & Trust close?

Are Bryan Bank & Trust ATMs Open 24/7?

Do Bryan Bank & Trust ATMs accept cash deposits?

Can Bryan Bank & Trust customers use other ATMs?

Do Bryan Bank & Trust branches have notaries?

Will Bryan Bank & Trust notarize my document?

What address for Bryan Bank & Trust should I put for incoming ACH transfers?

Will the Bryan Bank & Trust branch print checks?

Do Bryan Bank & Trust checks expire?

Does Bryan Bank & Trust require US citizenship to open account?

Can Bryan Bank & Trust close my account?

Does Bryan Bank & Trust Report to credit bureaus?

Does Bryan Bank & Trust Use Equifax?

What is Bryan Bank & Trust's ACH Routing Number?

What is Bryan Bank & Trust's SWIFT code?

Products

Does Bryan Bank & Trust offer mortgages?

Compare mortgage rates here.

Does Bryan Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bryan Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Bryan Bank & Trust offer student loans?

Will Bryan Bank & Trust cash a check?

Will Bryan Bank & Trust redeem a savings bond?

Does Bryan Bank & Trust cash savings bonds?

Will Bryan Bank & Trust cash money orders?

Can Bryan Bank & Trust issue a money order?

Does Bryan Bank & Trust do currency exchange?

Background on The Bank

Who owns Bryan Bank & Trust?

How long has Bryan Bank & Trust been around?

Can Bryan Bank & Trust transfer to other banks?

Does Bryan Bank & Trust have quick pay?

Does Bryan Bank & Trust accept rolled coins?

Will Bryan Bank & Trust accept loose change?

Where is Bryan Bank & Trust headquarters?

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