Capaha Bank, SB

Headquarters

145 Russell Avenue
Tamms, IL 62988
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

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.

FDIC Insured Yes
FDIC Certificate # 17524
Date Established 1955
Assets $ 203.18 million
Loans $ 155.55 million
Deposits $ 181.66 million
Capital $ 20.19 million
 

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.

Deposit Rates - September 20, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Capaha Bank, SB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Connecticut 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
2.990 %
$0 Learn More
More Info

Note to Capaha Bank, SB
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Branches

Capaha Bank, SB 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:
Fairfield,Connecticut


Capaha Bank, SB Locations


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 BestCashCow.com 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% 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, 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%.

Return on Equity
Capaha Bank, SB U.S. Bank Average
5.73% 7.80%

Capaha Bank, SB has a Return on Equity of 5.73% 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
Capaha Bank, SB U.S. Bank Average
9.93% 12.68%

Capaha Bank, SB has a Capitalization of 9.93% 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.

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.

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 $ 155.55 million
Loan loss allowance $ 2.79 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.00 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 181.66 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 $ 203.18 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 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.04
Multifamily
Mortgages
5.94
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

Frequently Asked Questions About Capaha Bank, Sb

Branches and Savings

Is Capaha Bank, Sb FDIC insured?

Yes. It is covered under FDIC Certificate #17524.

Why does Capaha Bank, Sb pay such low interest on savings accounts?

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

Why are Capaha Bank, Sb CD rates not competitive?

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

Is Capaha Bank, Sb a commercial bank?

Yes

Where are Capaha Bank, Sb locations?

See branch locations nearby.

Is Capaha Bank, Sb open on Saturdays?

Is Capaha Bank, Sb open on Sundays?

What time does Capaha Bank, Sb open?

What time does Capaha Bank, Sb close?

Are Capaha Bank, Sb ATMs Open 24/7?

Do Capaha Bank, Sb ATMs accept cash deposits?

Can Capaha Bank, Sb customers use other ATMs?

Do Capaha Bank, Sb branches have notaries?

Will Capaha Bank, Sb notarize my document?

What address for Capaha Bank, Sb should I put for incoming ACH transfers?

Will the Capaha Bank, Sb branch print checks?

Do Capaha Bank, Sb checks expire?

Does Capaha Bank, Sb require US citizenship to open account?

Can Capaha Bank, Sb close my account?

Does Capaha Bank, Sb Report to credit bureaus?

Does Capaha Bank, Sb Use Equifax?

What is Capaha Bank, Sb's ACH Routing Number?

What is Capaha Bank, Sb's SWIFT code?

Products

Does Capaha Bank, Sb offer mortgages?

Compare mortgage rates here.

Does Capaha Bank, Sb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Capaha Bank, Sb offer personal loans?

Compare personal loan rates here.

Does Capaha Bank, Sb offer student loans?

Will Capaha Bank, Sb cash a check?

Will Capaha Bank, Sb redeem a savings bond?

Does Capaha Bank, Sb cash savings bonds?

Will Capaha Bank, Sb cash money orders?

Can Capaha Bank, Sb issue a money order?

Does Capaha Bank, Sb do currency exchange?

Background on The Bank

Who owns Capaha Bank, Sb?

How long has Capaha Bank, Sb been around?

Can Capaha Bank, Sb transfer to other banks?

Does Capaha Bank, Sb have quick pay?

Does Capaha Bank, Sb accept rolled coins?

Will Capaha Bank, Sb accept loose change?

Where is Capaha Bank, Sb headquarters?

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