Cabool State Bank

600 Main Street
Cabool, MO 65689

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1419
Date Established 1913
Assets $0.06 billion
Loans $0.04 billion
Deposits $0.05 billion
Capital $0.01 billion

Cabool State Bank is an FDIC insured institution located in Cabool, MO. It was founded in 1913 and has approximately $0.06 billion in assets.

For a more detailed analysis of Cabool 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 Cabool State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks, Cabool 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 20.62
Multifamily
Mortgages
0.39
Credit Card Loans 0.00
Consumer Auto Loans 1.89
Small Business Loans 13.07
Construction and Development Loans 0.73
Commercial Real Estate 14.16
Commercial and Industrial Loans 5.30
Farm Loans 12.09

Savings Rates

Your Current Location: Virginia, VA 20146

Loan Rates

Your Current Location: Virginia, VA 20146

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Branches

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Cabool State Bank Locations

Financial Details

Cabool State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cabool State Bank. The data is provided by the FDIC. Please remember that all banks listed on BestCashCow.com are FDIC insured while all credit unions are similarly insured by the NCUA. No depositor has ever lost money while their funds have been insured by the FDIC or NCUA.

Texas Ratio
Cabool State Bank U.S. Bank Average
22.09% 9.11%

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, 2016, Cabool State Bank had $1,613,000 in non-current loans and $575,000 in owned real estate. To cover these potential losses it had $9,344,000 in equity and $560,000 in loans loss reserves. That gives it a Texas Ratio of 22.09%. 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
Cabool State Bank U.S. Bank Average
0.52% 9.45%

Cabool State Bank has a Return on Equity of 0.52% versus the BestCashCow average of 9.45%. 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
Cabool State Bank U.S. Bank Average
15.02% 11.28%

Cabool State Bank has a Capitalization of 15.02% versus the BestCashCow average of 11.28%. 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.

Cabool State Bank Balance Sheet Analysis

As of March 31, 2015, Cabool State Bank had assets of $60,289,000, loans of $37,238,000, and deposits of $52,763,000. 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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