Chisholm Trail State Bank

Headquarters

6160 North Broadway
Wichita, KS 67219
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.07% 0.91% →
1-Year CD 0.75% 0.85% →
2-Year CD 1.00% 0.95% →
5-Year CD 1.22% 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Chisholm Trail State Bank is an FDIC insured institution located in Wichita, KS. It was founded in 1975 and has approximately $0.11 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 21955
Date Established 1975
Assets $ 106.36 million
Loans $ 78.21 million
Deposits $ 87.64 million
Capital $ 12.92 million
 

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

Deposit Rates - December 1, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.07% $1 - Learn More
Money Market
0.07% $1 $4,999 Learn More
Money Market
0.15% $10,000 $24,999 Learn More
Money Market
0.15% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $2,500 - Learn More
6 Mo CD
0.30% $1,000 - Learn More
12 Mo CD
0.75% $1,000 - Learn More
18 Mo CD
0.80% $1,000 - Learn More
24 Mo CD
1.00% $1,000 - Learn More
36 Mo CD
1.10% $1,000 - Learn More
48 Mo CD
1.16% $1,000 - Learn More
60 Mo CD
1.22% $1,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less
 

Loan Rates - December 1, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Chisholm Trail State 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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.557% 2.500% 0.50 $1,890 $988 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.560% 2.500% 0.75 $1,980 $988 Learn More

Featured - Virginia 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
2.240 %
$0 Learn More
More Info

Note to Chisholm Trail State Bank
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Branches

Chisholm Trail State 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


Chisholm Trail State Bank Locations


Financial Details

Chisholm Trail State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Chisholm Trail State 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
Chisholm Trail State Bank U.S. Bank Average
3.4% 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, Chisholm Trail State Bank had $464,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,924,000 in equity and $725,000 in loans loss reserves. That gives it a Texas Ratio of 3.4%.

Return on Equity
Chisholm Trail State Bank U.S. Bank Average
5.21% 7.80%

Chisholm Trail State Bank has a Return on Equity of 5.21% 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
Chisholm Trail State Bank U.S. Bank Average
12.15% 12.68%

Chisholm Trail State Bank has a Capitalization of 12.15% 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.

Chisholm Trail State Bank Balance Sheet Analysis

As of March 31, 2020, Chisholm Trail State Bank had assets of $106,359,000, loans of $78,214,000, and deposits of $87,640,000. 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 $ 6.48 million
Interest-bearing balances $ 3.59 million
Total securities $ 16.47 million
Federal funds sold and reverse repurchase $ 0.27 million
Net loans and leases $ 78.21 million
Loan loss allowance $ 0.73 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.30 million
     Total Assets $ 93.44 million
LIABILITIES
Total deposits $ 87.64 million
      Interest-bearing deposits $ 61.63 million
      Deposits held in domestic offices $ 87.64 million
      % insured (estimated) 83.84%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.50 million
Subordinated debt N.A.
All other liabilities $ 0.30 million
      Total Liabilities $ 93.44 million
      Shareholders’ Equity $ 12.92 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.11 million
Total Interest Expense $ 0.11 million
Net interest income $ 1.00 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.07 million
Total non interest expense $ 0.87 million
Pre-tax Net Operating Income $ 0.15 million

Bank Loan Profile?

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

Compared to other banks in Kansas, Chisholm Trail State 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 31.86
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.57
Small Business Loans 14.63
Construction and Development Loans 10.12
Commercial Real Estate 44.39
Commercial and Industrial Loans 7.52
Farm Loans 0.68

Frequently Asked Questions About Chisholm Trail State Bank

Branches and Savings

Is Chisholm Trail State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #21955.

Why does Chisholm Trail State Bank pay such low interest on savings accounts?

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

Why are Chisholm Trail State Bank CD rates not competitive?

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

Is Chisholm Trail State Bank a commercial bank?

Yes

Where are Chisholm Trail State Bank locations?

See branch locations nearby.

Is Chisholm Trail State Bank open on Saturdays?

Is Chisholm Trail State Bank open on Sundays?

What time does Chisholm Trail State Bank open?

What time does Chisholm Trail State Bank close?

Are Chisholm Trail State Bank ATMs Open 24/7?

Do Chisholm Trail State Bank ATMs accept cash deposits?

Can Chisholm Trail State Bank customers use other ATMs?

Do Chisholm Trail State Bank branches have notaries?

Will Chisholm Trail State Bank notarize my document?

What address for Chisholm Trail State Bank should I put for incoming ACH transfers?

Will the Chisholm Trail State Bank branch print checks?

Do Chisholm Trail State Bank checks expire?

Does Chisholm Trail State Bank require US citizenship to open account?

Can Chisholm Trail State Bank close my account?

Does Chisholm Trail State Bank Report to credit bureaus?

Does Chisholm Trail State Bank Use Equifax?

What is Chisholm Trail State Bank's ACH Routing Number?

What is Chisholm Trail State Bank's SWIFT code?

Products

Does Chisholm Trail State Bank offer mortgages?

Compare mortgage rates here.

Does Chisholm Trail State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Chisholm Trail State Bank offer personal loans?

Compare personal loan rates here.

Does Chisholm Trail State Bank offer student loans?

Will Chisholm Trail State Bank cash a check?

Will Chisholm Trail State Bank redeem a savings bond?

Does Chisholm Trail State Bank cash savings bonds?

Will Chisholm Trail State Bank cash money orders?

Can Chisholm Trail State Bank issue a money order?

Does Chisholm Trail State Bank do currency exchange?

Background on The Bank

Who owns Chisholm Trail State Bank?

How long has Chisholm Trail State Bank been around?

Can Chisholm Trail State Bank transfer to other banks?

Does Chisholm Trail State Bank have quick pay?

Does Chisholm Trail State Bank accept rolled coins?

Will Chisholm Trail State Bank accept loose change?

Where is Chisholm Trail State Bank headquarters?

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