Capaha Bank, SB

145 Russell Avenue
Tamms, IL 62988


General Bank Information

FDIC Insured Yes
FDIC Certificate # 17524
Date Established 1955
Assets $0.20 billion
Loans $0.16 billion
Deposits $0.18 billion
Capital $0.02 billion

Capaha Bank, SB is an FDIC insured institution located in Tamms, IL. It was founded in 1955 and has approximately $0.2 billion in assets. Customers can open an account at one of its 6 branches.

For a more detailed analysis of Capaha Bank, SB'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 Capaha Bank, SB’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Farm Loans.

Compared to other banks, Capaha Bank, SB’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.04
Credit Card Loans 0.00
Consumer Auto Loans 0.18
Small Business Loans 0.00
Construction and Development Loans 5.16
Commercial Real Estate 24.70
Commercial and Industrial Loans 5.66
Farm Loans 13.33

Loan Rates

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Financial Details

Capaha Bank, SB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Capaha Bank, SB. 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
Capaha Bank, SB U.S. Bank Average
12.5% 8.87%

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 March 31, 2017, Capaha Bank, SB had $2,870,000 in non-current loans and $1,000 in owned real estate. To cover these potential losses it had $20,186,000 in equity and $2,786,000 in loans loss reserves. That gives it a Texas Ratio of 12.5%. 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
Capaha Bank, SB U.S. Bank Average
5.73% 8.39%

Capaha Bank, SB has a Return on Equity of 5.73% versus the BestCashCow average of 8.39%. 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.

Capaha Bank, SB U.S. Bank Average
9.93% 11.94%

Capaha Bank, SB has a Capitalization of 9.93% versus the BestCashCow average of 11.94%. 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.

Capaha Bank, SB Balance Sheet Analysis

As of March 31, 2017, Capaha Bank, SB had assets of $203,183,000, loans of $155,549,000, and deposits of $181,656,000. 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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