Cattleman's National Bank

Headquarters

403 Us Highways 281 And 290 South
Johnson City, TX 78636
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Cattleman's National Bank is an FDIC insured institution located in Johnson City, TX. It was founded in 1986 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 26688
Date Established 1986
Assets $ 81.34 million
Loans $ 44.66 million
Deposits $ 75.28 million
Capital $ 5.93 million
 

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

Deposit Rates - June 22, 2021

Your Current Location: Virginia, VA 20146

 

Loan Rates - June 22, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Cattleman's National Bank

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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.680% 2.625%
0.38 points
$1,805 fees
$1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
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Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Note to Cattleman's National Bank
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Branches

Cattleman's National Bank 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


Cattleman's National Bank Locations


Financial Details

Cattleman's National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cattleman's National Bank. 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
Cattleman's National Bank U.S. Bank Average
4.91% 5.49%

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 December 31, 2020, Cattleman's National Bank had $0 in non-current loans and $324,000 in owned real estate. To cover these potential losses it had $5,931,000 in equity and $670,000 in loans loss reserves. That gives it a Texas Ratio of 4.91%.

Return on Equity
Cattleman's National Bank U.S. Bank Average
-2.01% 9.24%

Cattleman's National Bank has a Return on Equity of -2.01% versus the BestCashCow average of 9.24%. 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
Cattleman's National Bank U.S. Bank Average
7.29% 11.96%

Cattleman's National Bank has a Capitalization of 7.29% versus the BestCashCow average of 11.96. 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.

Cattleman's National Bank Balance Sheet Analysis

As of September 30, 2012, Cattleman's National Bank had assets of $81,338,000, loans of $44,655,000, and deposits of $75,281,000. 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

December 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 $ 44.66 million
Loan loss allowance $ 0.67 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.32 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 75.28 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 $ 81.34 million

Summary Income Statement

December 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 Cattleman's National Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Construction and Development Loans.

Compared to other banks in Texas, Cattleman's National Bank has a significantly higher percent of Small Business Loans, Construction and Development Loans, Commercial Real Estate 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 15.49
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.74
Small Business Loans 33.11
Construction and Development Loans 17.59
Commercial Real Estate 50.72
Commercial and Industrial Loans 12.16
Farm Loans 0.16

Frequently Asked Questions About Cattleman's National Bank

Branches and Savings

Is Cattleman's National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26688.

Why does Cattleman's National Bank pay such low interest on savings accounts?

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

Why are Cattleman's National Bank CD rates not competitive?

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

Is Cattleman's National Bank a commercial bank?

Yes

Where are Cattleman's National Bank locations?

See branch locations nearby.

Is Cattleman's National Bank open on Saturdays?

Is Cattleman's National Bank open on Sundays?

What time does Cattleman's National Bank open?

What time does Cattleman's National Bank close?

Are Cattleman's National Bank ATMs Open 24/7?

Do Cattleman's National Bank ATMs accept cash deposits?

Can Cattleman's National Bank customers use other ATMs?

Do Cattleman's National Bank branches have notaries?

Will Cattleman's National Bank notarize my document?

What address for Cattleman's National Bank should I put for incoming ACH transfers?

Will the Cattleman's National Bank branch print checks?

Do Cattleman's National Bank checks expire?

Does Cattleman's National Bank require US citizenship to open account?

Can Cattleman's National Bank close my account?

Does Cattleman's National Bank Report to credit bureaus?

Does Cattleman's National Bank Use Equifax?

What is Cattleman's National Bank's ACH Routing Number?

What is Cattleman's National Bank's SWIFT code?

Products

Does Cattleman's National Bank offer mortgages?

Compare mortgage rates here.

Does Cattleman's National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cattleman's National Bank offer personal loans?

Compare personal loan rates here.

Does Cattleman's National Bank offer student loans?

Will Cattleman's National Bank cash a check?

Will Cattleman's National Bank redeem a savings bond?

Does Cattleman's National Bank cash savings bonds?

Will Cattleman's National Bank cash money orders?

Can Cattleman's National Bank issue a money order?

Does Cattleman's National Bank do currency exchange?

Background on The Bank

Who owns Cattleman's National Bank?

How long has Cattleman's National Bank been around?

Can Cattleman's National Bank transfer to other banks?

Does Cattleman's National Bank have quick pay?

Does Cattleman's National Bank accept rolled coins?

Will Cattleman's National Bank accept loose change?

Where is Cattleman's National Bank headquarters?

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