Citizens Deposit Bank of Arlington, Inc.

Headquarters

1 Walnut Street
Arlington, KY 42021
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 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

Citizens Deposit Bank of Arlington, Inc. is an FDIC insured institution located in Arlington, KY. It was founded in 1949 and has approximately $0.24 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 16852
Date Established 1949
Assets $ 240.37 million
Loans $ 153.96 million
Deposits $ 176.84 million
Capital $ 35.85 million
 

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

Deposit Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Citizens Deposit Bank of Arlington, Inc.

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to Citizens Deposit Bank of Arlington, Inc.
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Branches

Citizens Deposit Bank of Arlington, Inc. 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:
Fairfield,Connecticut


Citizens Deposit Bank of Arlington, Inc. Locations


Financial Details

Citizens Deposit Bank of Arlington, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Deposit Bank of Arlington, Inc.. 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 Deposit Bank of Arlington, Inc. U.S. Bank Average
1.41% 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 Deposit Bank of Arlington, Inc. had $547,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $35,851,000 in equity and $3,070,000 in loans loss reserves. That gives it a Texas Ratio of 1.41%.

Return on Equity
Citizens Deposit Bank of Arlington, Inc. U.S. Bank Average
9.5% 7.80%

Citizens Deposit Bank of Arlington, Inc. has a Return on Equity of 9.5% 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 Deposit Bank of Arlington, Inc. U.S. Bank Average
14.92% 12.68%

Citizens Deposit Bank of Arlington, Inc. has a Capitalization of 14.92% 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 Deposit Bank of Arlington, Inc. Balance Sheet Analysis

As of March 31, 2020, Citizens Deposit Bank of Arlington, Inc. had assets of $240,366,000, loans of $153,958,000, and deposits of $176,839,000. 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 $ 11.51 million
Interest-bearing balances $ 4.82 million
Total securities $ 61.02 million
Federal funds sold and reverse repurchase $ 5.55 million
Net loans and leases $ 153.96 million
Loan loss allowance $ 3.07 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 $ 4.27 million
     Total Assets $ 204.52 million
LIABILITIES
Total deposits $ 176.84 million
      Interest-bearing deposits $ 156.11 million
      Deposits held in domestic offices $ 176.84 million
      % insured (estimated) 64.54%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 26.81 million
Subordinated debt N.A.
All other liabilities $ 0.86 million
      Total Liabilities $ 204.52 million
      Shareholders’ Equity $ 35.85 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.90 million
Total Interest Expense $ 0.82 million
Net interest income $ 2.08 million
Provision for loan and lease losses $ 0.10 million
Total non interest income $ 0.18 million
Total non interest expense $ 1.28 million
Pre-tax Net Operating Income $ 0.87 million

Bank Loan Profile?

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

Compared to other banks in Kentucky, Citizens Deposit Bank of Arlington, Inc. has a significantly higher percent of Commercial and Industrial Loans, Farm 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 24.67
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 3.41
Small Business Loans 0.00
Construction and Development Loans 4.30
Commercial Real Estate 15.29
Commercial and Industrial Loans 20.44
Farm Loans 5.53

Frequently Asked Questions About Citizens Deposit Bank Of Arlington, Inc.

Branches and Savings

Is Citizens Deposit Bank Of Arlington, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #16852.

Why does Citizens Deposit Bank Of Arlington, Inc. pay such low interest on savings accounts?

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

Why are Citizens Deposit Bank Of Arlington, Inc. CD rates not competitive?

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

Is Citizens Deposit Bank Of Arlington, Inc. a commercial bank?

Yes

Where are Citizens Deposit Bank Of Arlington, Inc. locations?

See branch locations nearby.

Is Citizens Deposit Bank Of Arlington, Inc. open on Saturdays?

Is Citizens Deposit Bank Of Arlington, Inc. open on Sundays?

What time does Citizens Deposit Bank Of Arlington, Inc. open?

What time does Citizens Deposit Bank Of Arlington, Inc. close?

Are Citizens Deposit Bank Of Arlington, Inc. ATMs Open 24/7?

Do Citizens Deposit Bank Of Arlington, Inc. ATMs accept cash deposits?

Can Citizens Deposit Bank Of Arlington, Inc. customers use other ATMs?

Do Citizens Deposit Bank Of Arlington, Inc. branches have notaries?

Will Citizens Deposit Bank Of Arlington, Inc. notarize my document?

What address for Citizens Deposit Bank Of Arlington, Inc. should I put for incoming ACH transfers?

Will the Citizens Deposit Bank Of Arlington, Inc. branch print checks?

Do Citizens Deposit Bank Of Arlington, Inc. checks expire?

Does Citizens Deposit Bank Of Arlington, Inc. require US citizenship to open account?

Can Citizens Deposit Bank Of Arlington, Inc. close my account?

Does Citizens Deposit Bank Of Arlington, Inc. Report to credit bureaus?

Does Citizens Deposit Bank Of Arlington, Inc. Use Equifax?

What is Citizens Deposit Bank Of Arlington, Inc.'s ACH Routing Number?

What is Citizens Deposit Bank Of Arlington, Inc.'s SWIFT code?

Products

Does Citizens Deposit Bank Of Arlington, Inc. offer mortgages?

Compare mortgage rates here.

Does Citizens Deposit Bank Of Arlington, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Deposit Bank Of Arlington, Inc. offer personal loans?

Compare personal loan rates here.

Does Citizens Deposit Bank Of Arlington, Inc. offer student loans?

Will Citizens Deposit Bank Of Arlington, Inc. cash a check?

Will Citizens Deposit Bank Of Arlington, Inc. redeem a savings bond?

Does Citizens Deposit Bank Of Arlington, Inc. cash savings bonds?

Will Citizens Deposit Bank Of Arlington, Inc. cash money orders?

Can Citizens Deposit Bank Of Arlington, Inc. issue a money order?

Does Citizens Deposit Bank Of Arlington, Inc. do currency exchange?

Background on The Bank

Who owns Citizens Deposit Bank Of Arlington, Inc.?

How long has Citizens Deposit Bank Of Arlington, Inc. been around?

Can Citizens Deposit Bank Of Arlington, Inc. transfer to other banks?

Does Citizens Deposit Bank Of Arlington, Inc. have quick pay?

Does Citizens Deposit Bank Of Arlington, Inc. accept rolled coins?

Will Citizens Deposit Bank Of Arlington, Inc. accept loose change?

Where is Citizens Deposit Bank Of Arlington, Inc. headquarters?

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