Citizens Bank of Rogersville

Headquarters

1001 West Center Street
Rogersville, MO 65742
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
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

Citizens Bank of Rogersville is an FDIC insured institution located in Rogersville, MO. It was founded in 1908 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 8572
Date Established 1908
Assets $ 95.56 million
Loans $ 75.40 million
Deposits $ 70.92 million
Capital $ 10.51 million
 

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

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Citizens Bank of Rogersville

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
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $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 Citizens Bank of Rogersville
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Citizens Bank of Rogersville 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 Rogersville Locations


Financial Details

Citizens Bank of Rogersville Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Bank of Rogersville. 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 Rogersville U.S. Bank Average
2.11% 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, Citizens Bank of Rogersville had $241,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,505,000 in equity and $895,000 in loans loss reserves. That gives it a Texas Ratio of 2.11%.

Return on Equity
Citizens Bank of Rogersville U.S. Bank Average
8.04% 7.80%

Citizens Bank of Rogersville has a Return on Equity of 8.04% 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
Citizens Bank of Rogersville U.S. Bank Average
10.99% 12.68%

Citizens Bank of Rogersville has a Capitalization of 10.99% 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.

Citizens Bank of Rogersville Balance Sheet Analysis

As of March 31, 2020, Citizens Bank of Rogersville had assets of $95,557,000, loans of $75,404,000, and deposits of $70,918,000. 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 $ 7.95 million
Interest-bearing balances $ 7.10 million
Total securities $ 6.83 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 75.40 million
Loan loss allowance $ 0.90 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.46 million
All other assets $ 1.42 million
     Total Assets $ 85.05 million
LIABILITIES
Total deposits $ 70.92 million
      Interest-bearing deposits $ 54.54 million
      Deposits held in domestic offices $ 70.92 million
      % insured (estimated) 86.27%
Federal funds purchased and repurchase agreements $ 0.17 million
Trading liabilities N.A.
Other borrowed funds $ 13.70 million
Subordinated debt N.A.
All other liabilities $ 0.26 million
      Total Liabilities $ 85.05 million
      Shareholders’ Equity $ 10.51 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.15 million
Total Interest Expense $ 0.22 million
Net interest income $ 0.92 million
Provision for loan and lease losses $ 0.05 million
Total non interest income $ 0.13 million
Total non interest expense $ 0.79 million
Pre-tax Net Operating Income $ 0.21 million

Bank Loan Profile?

The top three loan types in Citizens Bank of Rogersville’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Citizens Bank of Rogersville has a significantly higher percent of Construction and Development 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 37.54
Multifamily
Mortgages
0.18
Credit Card Loans 0.00
Consumer Auto Loans 3.89
Small Business Loans 0.00
Construction and Development Loans 12.96
Commercial Real Estate 21.11
Commercial and Industrial Loans 14.95
Farm Loans 2.23

Frequently Asked Questions About Citizens Bank Of Rogersville

Branches and Savings

Is Citizens Bank Of Rogersville FDIC insured?

Yes. It is covered under FDIC Certificate #8572.

Why does Citizens Bank Of Rogersville 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 Rogersville CD rates not competitive?

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

Is Citizens Bank Of Rogersville a commercial bank?

Yes

Where are Citizens Bank Of Rogersville locations?

See branch locations nearby.

Is Citizens Bank Of Rogersville open on Saturdays?

Is Citizens Bank Of Rogersville open on Sundays?

What time does Citizens Bank Of Rogersville open?

What time does Citizens Bank Of Rogersville close?

Are Citizens Bank Of Rogersville ATMs Open 24/7?

Do Citizens Bank Of Rogersville ATMs accept cash deposits?

Can Citizens Bank Of Rogersville customers use other ATMs?

Do Citizens Bank Of Rogersville branches have notaries?

Will Citizens Bank Of Rogersville notarize my document?

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

Will the Citizens Bank Of Rogersville branch print checks?

Do Citizens Bank Of Rogersville checks expire?

Does Citizens Bank Of Rogersville require US citizenship to open account?

Can Citizens Bank Of Rogersville close my account?

Does Citizens Bank Of Rogersville Report to credit bureaus?

Does Citizens Bank Of Rogersville Use Equifax?

What is Citizens Bank Of Rogersville's ACH Routing Number?

What is Citizens Bank Of Rogersville's SWIFT code?

Products

Does Citizens Bank Of Rogersville offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Citizens Bank Of Rogersville offer personal loans?

Compare personal loan rates here.

Does Citizens Bank Of Rogersville offer student loans?

Will Citizens Bank Of Rogersville cash a check?

Will Citizens Bank Of Rogersville redeem a savings bond?

Does Citizens Bank Of Rogersville cash savings bonds?

Will Citizens Bank Of Rogersville cash money orders?

Can Citizens Bank Of Rogersville issue a money order?

Does Citizens Bank Of Rogersville do currency exchange?

Background on The Bank

Who owns Citizens Bank Of Rogersville?

How long has Citizens Bank Of Rogersville been around?

Can Citizens Bank Of Rogersville transfer to other banks?

Does Citizens Bank Of Rogersville have quick pay?

Does Citizens Bank Of Rogersville accept rolled coins?

Will Citizens Bank Of Rogersville accept loose change?

Where is Citizens Bank Of Rogersville headquarters?

Customer Reviews for Citizens Bank of Rogersville

There are currently no comments for Citizens Bank of Rogersville. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →