Bryan Bank & Trust

Headquarters

9971 Ford Avenue
Richmond Hill, GA 31324
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

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.

FDIC Insured Yes
FDIC Certificate # 32744
Date Established 1989
Assets $ 214.78 million
Loans $ 161.49 million
Deposits $ 192.97 million
Capital $ 17.90 million
 

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.

Deposit Rates - December 4, 2020

Your Current Location: Virginia, VA 20146

 

Loan Rates - December 4, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
New American Funding
NMLS ID: 6606
2.617% 2.500% 0.88 $3,862 $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
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

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% 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, 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%.

Return on Equity
Bryan Bank & Trust U.S. Bank Average
-18.65% 7.80%

Bryan Bank & Trust has a Return on Equity of -18.65% 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
Bryan Bank & Trust U.S. Bank Average
8.33% 12.68%

Bryan Bank & Trust has a Capitalization of 8.33% 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.

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.

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 $ 161.49 million
Loan loss allowance $ 5.05 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 4.78 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 192.97 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 $ 214.78 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 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, Small Business Loans, 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

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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