Central Bank of Boone County

720 East Broadway Street
Columbia, MO 65201

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4536
Date Established 1857
Assets $1.90 billion
Loans $1.16 billion
Deposits $1.51 billion
Capital $0.17 billion

Central Bank of Boone County is an FDIC insured institution located in Columbia, MO. It was founded in 1857 and has approximately $1.9 billion in assets. Customers can open an account at one of its 17 branches.

For a more detailed analysis of Central Bank of Boone County'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 Central Bank of Boone County’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Multifamily Mortgages.

Compared to other banks in Missouri, Central Bank of Boone County has a significantly higher percent of Multifamily Mortgages, Credit Card Loans, Consumer Auto Loans 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 21.89
Multifamily
Mortgages
14.09
Credit Card Loans 1.06
Consumer Auto Loans 7.65
Small Business Loans 6.21
Construction and Development Loans 10.67
Commercial Real Estate 31.25
Commercial and Industrial Loans 7.61
Farm Loans 0.93

Deposit Rates - February 23, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
0.30% $500 $99,999 Learn MoreShow Less
3 Mo CD
0.05% $100,000 - Learn MoreShow Less
0.35% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.25% $100,000 - Learn MoreShow Less
12 Mo CD
0.40% $500 - Learn MoreShow Less
Special: 17 Mo CD
2.50% $5,000 - Learn MoreShow Less
18 Mo CD
0.45% $500 - Learn MoreShow Less
24 Mo CD
0.50% $500 - Learn MoreShow Less
30 Mo CD
0.50% $500 - Learn MoreShow Less
Special: 33 Mo CD
2.75% $5,000 - Learn MoreShow Less
36 Mo CD
0.55% $500 - Learn MoreShow Less
48 Mo CD
0.70% $500 - Learn MoreShow Less
60 Mo CD
0.85% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.60% $1,000 - Learn MoreShow Less
Special: 17 Mo FIRA
2.50% $5,000 - Learn MoreShow Less
Special: 33 Mo FIRA
2.75% $5,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
2.40% $1 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 - Learn MoreShow Less

Loan Rates - February 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Central Bank of Boone County

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
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.144% 4.125% 0.25 $558 $1,212 Learn More
PenFed Credit Union
NMLS ID: 401822
4.502% 4.375% 0.50 $3,750 $1,249 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
First Internet Bank
NMLS ID: 424182
4.140% 4.125% 0.13 $465 $1,212 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info

Note to Central Bank of Boone County
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Central Bank of Boone County 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


Central Bank of Boone County Locations


Financial Details

Central Bank of Boone County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Central Bank of Boone County. 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
Central Bank of Boone County U.S. Bank Average
0.51% 7.34%

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 September 30, 2018, Central Bank of Boone County had $949,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $169,922,000 in equity and $17,711,000 in loans loss reserves. That gives it a Texas Ratio of 0.51%.

Return on Equity
Central Bank of Boone County U.S. Bank Average
16.83% 9.95%

Central Bank of Boone County has a Return on Equity of 16.83% versus the BestCashCow average of 9.95%. 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
Central Bank of Boone County U.S. Bank Average
8.96% 12.19%

Central Bank of Boone County has a Capitalization of 8.96% versus the BestCashCow average of 12.19. 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.

Central Bank of Boone County Balance Sheet Analysis

As of September 30, 2018, Central Bank of Boone County had assets of $1,895,708,000, loans of $1,163,927,000, and deposits of $1,510,388,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.21 billion
Interest-bearing balances $0.18 billion
Total securities $0.44 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $1.16 billion
Loan loss allowance $0.02 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 $0.01 billion
All other assets $0.04 billion
     Total Assets $1.73 billion
LIABILITIES
Total deposits $1.51 billion
      Interest-bearing deposits $0.91 billion
      Deposits held in domestic offices $1.51 billion
      % insured (estimated) 73.53%
Federal funds purchased and repurchase agreements $0.15 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.06 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.73 billion
      Shareholders’ Equity $0.17 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.05 billion
Total Interest Expense $0.00 billion
Net interest income $0.04 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.03 billion

Frequently Asked Questions About Central Bank Of Boone County

Branches and Savings

Is Central Bank Of Boone County FDIC insured?

Yes. It is covered under FDIC Certificate #4536.

Why does Central Bank Of Boone County pay such low interest on savings accounts?

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

Why are Central Bank Of Boone County CD rates not competitive?

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

Is Central Bank Of Boone County a commercial bank?

Yes

Where are Central Bank Of Boone County locations?

See branch locations nearby.

Is Central Bank Of Boone County open on Saturdays?

Is Central Bank Of Boone County open on Sundays?

What time does Central Bank Of Boone County open?

What time does Central Bank Of Boone County close?

Are Central Bank Of Boone County ATMs Open 24/7?

Do Central Bank Of Boone County ATMs accept cash deposits?

Can Central Bank Of Boone County customers use other ATMs?

Do Central Bank Of Boone County branches have notaries?

Will Central Bank Of Boone County notarize my document?

What address for Central Bank Of Boone County should I put for incoming ACH transfers?

Will the Central Bank Of Boone County branch print checks?

Do Central Bank Of Boone County checks expire?

Does Central Bank Of Boone County require US citizenship to open account?

Can Central Bank Of Boone County close my account?

Does Central Bank Of Boone County Report to credit bureaus?

Does Central Bank Of Boone County Use Equifax?

What is Central Bank Of Boone County's ACH Routing Number?

What is Central Bank Of Boone County's SWIFT code?

Products

Does Central Bank Of Boone County offer mortgages?

Compare mortgage rates here.

Does Central Bank Of Boone County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Central Bank Of Boone County offer personal loans?

Compare personal loan rates here.

Does Central Bank Of Boone County offer student loans?

Will Central Bank Of Boone County cash a check?

Will Central Bank Of Boone County redeem a savings bond?

Does Central Bank Of Boone County cash savings bonds?

Will Central Bank Of Boone County cash money orders?

Can Central Bank Of Boone County issue a money order?

Does Central Bank Of Boone County do currency exchange?

Background on The Bank

Who owns Central Bank Of Boone County?

How long has Central Bank Of Boone County been around?

Can Central Bank Of Boone County transfer to other banks?

Does Central Bank Of Boone County have quick pay?

Does Central Bank Of Boone County accept rolled coins?

Will Central Bank Of Boone County accept loose change?

Where is Central Bank Of Boone County headquarters?

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