Calhoun County Bank, Inc.

443 High Street
Grantsville, WV 26147

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9024
Date Established 1900
Assets $0.15 billion
Loans $0.12 billion
Deposits $0.13 billion
Capital $0.01 billion
 

Calhoun County Bank, Inc. is an FDIC insured institution located in Grantsville, WV. It was founded in 1900 and has approximately $0.15 billion in assets. Customers can open an account at one of its 4 branches.

For a more detailed analysis of Calhoun County Bank, Inc.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.30% $1 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.50% $100 - Learn MoreShow Less
6 Mo CD
0.75% $100 - Learn MoreShow Less
Special: 12 Mo CD
2.01% $100 - Learn MoreShow Less
12 Mo CD
1.01% $100 - Learn MoreShow Less
18 Mo CD
1.21% $100 - Learn MoreShow Less
Special: 24 Mo CD
2.37% $100 - Learn MoreShow Less
24 Mo CD
1.26% $100 - Learn MoreShow Less
30 Mo CD
1.00% $100 - Learn MoreShow Less
36 Mo CD
1.41% $100 - Learn MoreShow Less
60 Mo CD
1.96% $100 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.26% $100 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.75% $100 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,000 $2,499 Learn MoreShow Less
Int Ckg
0.20% $2,500 $4,999 Learn MoreShow Less

Loan Rates - October 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Calhoun County Bank, Inc.

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.523% 3.500% 0.25 $732 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.990 %
$0 Learn More
More Info

Note to Calhoun County Bank, Inc.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Calhoun County Bank, Inc. 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


Calhoun County Bank, Inc. Locations


Financial Details

Calhoun County Bank, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Calhoun County Bank, Inc.. 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
Calhoun County Bank, Inc. U.S. Bank Average
11.49% 6.77%

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 June 30, 2019, Calhoun County Bank, Inc. had $1,708,000 in non-current loans and $133,000 in owned real estate. To cover these potential losses it had $14,624,000 in equity and $1,393,000 in loans loss reserves. That gives it a Texas Ratio of 11.49%.

Return on Equity
Calhoun County Bank, Inc. U.S. Bank Average
5.93% 9.50%

Calhoun County Bank, Inc. has a Return on Equity of 5.93% versus the BestCashCow average of 9.50%. 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
Calhoun County Bank, Inc. U.S. Bank Average
9.54% 12.76%

Calhoun County Bank, Inc. has a Capitalization of 9.54% versus the BestCashCow average of 12.76. 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.

Calhoun County Bank, Inc. Balance Sheet Analysis

As of June 30, 2019, Calhoun County Bank, Inc. had assets of $153,365,000, loans of $120,346,000, and deposits of $130,730,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.12 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 $0.14 billion
LIABILITIES
Total deposits $0.13 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.13 billion
      % insured (estimated) 90.94%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.14 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
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

Bank Loan Profile?

The top three loan types in Calhoun County Bank, Inc.’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks, Calhoun County Bank, Inc.’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 63.47
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 5.90
Small Business Loans 12.62
Construction and Development Loans 0.87
Commercial Real Estate 12.62
Commercial and Industrial Loans 4.84
Farm Loans 0.00

Frequently Asked Questions About Calhoun County Bank, Inc.

Branches and Savings

Is Calhoun County Bank, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #9024.

Why does Calhoun County Bank, Inc. pay such low interest on savings accounts?

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

Why are Calhoun County Bank, Inc. CD rates not competitive?

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

Is Calhoun County Bank, Inc. a commercial bank?

Yes

Where are Calhoun County Bank, Inc. locations?

See branch locations nearby.

Is Calhoun County Bank, Inc. open on Saturdays?

Is Calhoun County Bank, Inc. open on Sundays?

What time does Calhoun County Bank, Inc. open?

What time does Calhoun County Bank, Inc. close?

Are Calhoun County Bank, Inc. ATMs Open 24/7?

Do Calhoun County Bank, Inc. ATMs accept cash deposits?

Can Calhoun County Bank, Inc. customers use other ATMs?

Do Calhoun County Bank, Inc. branches have notaries?

Will Calhoun County Bank, Inc. notarize my document?

What address for Calhoun County Bank, Inc. should I put for incoming ACH transfers?

Will the Calhoun County Bank, Inc. branch print checks?

Do Calhoun County Bank, Inc. checks expire?

Does Calhoun County Bank, Inc. require US citizenship to open account?

Can Calhoun County Bank, Inc. close my account?

Does Calhoun County Bank, Inc. Report to credit bureaus?

Does Calhoun County Bank, Inc. Use Equifax?

What is Calhoun County Bank, Inc.'s ACH Routing Number?

What is Calhoun County Bank, Inc.'s SWIFT code?

Products

Does Calhoun County Bank, Inc. offer mortgages?

Compare mortgage rates here.

Does Calhoun County Bank, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Calhoun County Bank, Inc. offer personal loans?

Compare personal loan rates here.

Does Calhoun County Bank, Inc. offer student loans?

Will Calhoun County Bank, Inc. cash a check?

Will Calhoun County Bank, Inc. redeem a savings bond?

Does Calhoun County Bank, Inc. cash savings bonds?

Will Calhoun County Bank, Inc. cash money orders?

Can Calhoun County Bank, Inc. issue a money order?

Does Calhoun County Bank, Inc. do currency exchange?

Background on The Bank

Who owns Calhoun County Bank, Inc.?

How long has Calhoun County Bank, Inc. been around?

Can Calhoun County Bank, Inc. transfer to other banks?

Does Calhoun County Bank, Inc. have quick pay?

Does Calhoun County Bank, Inc. accept rolled coins?

Will Calhoun County Bank, Inc. accept loose change?

Where is Calhoun County Bank, Inc. headquarters?

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