Citizens Bank of Cape Vincent

154 Broadway St
Cape Vincent, NY 13618

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8908
Date Established 1919
Assets $0.07 billion
Loans $0.03 billion
Deposits $0.06 billion
Capital $0.01 billion

Citizens Bank of Cape Vincent is an FDIC insured institution located in Cape Vincent, NY. It was founded in 1919 and has approximately $0.07 billion in assets. Customers can open an account at one of its 3 branches.

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

Compared to other banks in New York, Citizens Bank of Cape Vincent has a significantly higher percent of 1-4 Family Residential 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 81.71
Multifamily
Mortgages
1.17
Credit Card Loans 0.00
Consumer Auto Loans 1.16
Small Business Loans 0.00
Construction and Development Loans 0.35
Commercial Real Estate 9.52
Commercial and Industrial Loans 1.10
Farm Loans 0.26

Deposit Rates - March 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
6 Mo CD
0.50% $500 - Learn MoreShow Less
12 Mo CD
0.50% $500 - Learn MoreShow Less
18 Mo CD
0.50% $500 - Learn MoreShow Less
Special: 24 Mo CD
1.25% $500 - Learn MoreShow Less
24 Mo CD
1.25% $500 - Learn MoreShow Less


Loan Rates - March 22, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Citizens Bank of Cape Vincent

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
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.560% 4.560% 0.00 $0 $1,276 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
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to Citizens Bank of Cape Vincent
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Branches

Citizens Bank of Cape Vincent 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


Citizens Bank of Cape Vincent Locations


Financial Details

Citizens Bank of Cape Vincent Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Bank of Cape Vincent. 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
Citizens Bank of Cape Vincent U.S. Bank Average
11.46% 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, Citizens Bank of Cape Vincent had $431,000 in non-current loans and $320,000 in owned real estate. To cover these potential losses it had $5,975,000 in equity and $581,000 in loans loss reserves. That gives it a Texas Ratio of 11.46%.

Return on Equity
Citizens Bank of Cape Vincent U.S. Bank Average
5.56% 9.95%

Citizens Bank of Cape Vincent has a Return on Equity of 5.56% 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
Citizens Bank of Cape Vincent U.S. Bank Average
8.55% 12.19%

Citizens Bank of Cape Vincent has a Capitalization of 8.55% 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.

Citizens Bank of Cape Vincent Balance Sheet Analysis

As of September 30, 2018, Citizens Bank of Cape Vincent had assets of $69,843,000, loans of $34,913,000, and deposits of $63,597,000. 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 $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.03 billion
Loan loss allowance $0.00 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 $0.00 billion
All other assets $0.00 billion
     Total Assets $0.06 billion
LIABILITIES
Total deposits $0.06 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 75.61%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

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

Frequently Asked Questions About Citizens Bank Of Cape Vincent

Branches and Savings

Is Citizens Bank Of Cape Vincent FDIC insured?

Yes. It is covered under FDIC Certificate #8908.

Why does Citizens Bank Of Cape Vincent pay such low interest on savings accounts?

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

Why are Citizens Bank Of Cape Vincent CD rates not competitive?

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

Is Citizens Bank Of Cape Vincent a commercial bank?

Yes

Where are Citizens Bank Of Cape Vincent locations?

See branch locations nearby.

Is Citizens Bank Of Cape Vincent open on Saturdays?

Is Citizens Bank Of Cape Vincent open on Sundays?

What time does Citizens Bank Of Cape Vincent open?

What time does Citizens Bank Of Cape Vincent close?

Are Citizens Bank Of Cape Vincent ATMs Open 24/7?

Do Citizens Bank Of Cape Vincent ATMs accept cash deposits?

Can Citizens Bank Of Cape Vincent customers use other ATMs?

Do Citizens Bank Of Cape Vincent branches have notaries?

Will Citizens Bank Of Cape Vincent notarize my document?

What address for Citizens Bank Of Cape Vincent should I put for incoming ACH transfers?

Will the Citizens Bank Of Cape Vincent branch print checks?

Do Citizens Bank Of Cape Vincent checks expire?

Does Citizens Bank Of Cape Vincent require US citizenship to open account?

Can Citizens Bank Of Cape Vincent close my account?

Does Citizens Bank Of Cape Vincent Report to credit bureaus?

Does Citizens Bank Of Cape Vincent Use Equifax?

What is Citizens Bank Of Cape Vincent's ACH Routing Number?

What is Citizens Bank Of Cape Vincent's SWIFT code?

Products

Does Citizens Bank Of Cape Vincent offer mortgages?

Compare mortgage rates here.

Does Citizens Bank Of Cape Vincent offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Bank Of Cape Vincent offer personal loans?

Compare personal loan rates here.

Does Citizens Bank Of Cape Vincent offer student loans?

Will Citizens Bank Of Cape Vincent cash a check?

Will Citizens Bank Of Cape Vincent redeem a savings bond?

Does Citizens Bank Of Cape Vincent cash savings bonds?

Will Citizens Bank Of Cape Vincent cash money orders?

Can Citizens Bank Of Cape Vincent issue a money order?

Does Citizens Bank Of Cape Vincent do currency exchange?

Background on The Bank

Who owns Citizens Bank Of Cape Vincent?

How long has Citizens Bank Of Cape Vincent been around?

Can Citizens Bank Of Cape Vincent transfer to other banks?

Does Citizens Bank Of Cape Vincent have quick pay?

Does Citizens Bank Of Cape Vincent accept rolled coins?

Will Citizens Bank Of Cape Vincent accept loose change?

Where is Citizens Bank Of Cape Vincent headquarters?

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