Columbus Junction State Bank

Headquarters

134 Main Street
Columbus Junction, IA 52738
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

Columbus Junction State Bank is an FDIC insured institution located in Columbus Junction, IA. It was founded in 1927 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 249
Date Established 1927
Assets $ 53.99 million
Loans $ 22.99 million
Deposits $ 49.78 million
Capital $ 4.07 million
 

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

Deposit Rates - December 4, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - December 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Columbus Junction State Bank

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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2.546% 2.500% 0.63 $1,502 $988 Learn More
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2.683% 2.625% 0.63 $1,908 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
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2.240 %
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Note to Columbus Junction State Bank
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Branches

Columbus Junction 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:
Fairfield,Connecticut


Columbus Junction State Bank Locations


Financial Details

Columbus Junction State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Columbus Junction 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
Columbus Junction State Bank U.S. Bank Average
24.99% 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, Columbus Junction State Bank had $1,190,000 in non-current loans and $45,000 in owned real estate. To cover these potential losses it had $4,074,000 in equity and $868,000 in loans loss reserves. That gives it a Texas Ratio of 24.99%.

Return on Equity
Columbus Junction State Bank U.S. Bank Average
-18.48% 7.80%

Columbus Junction State Bank has a Return on Equity of -18.48% 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
Columbus Junction State Bank U.S. Bank Average
7.55% 12.68%

Columbus Junction State Bank has a Capitalization of 7.55% 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.

Columbus Junction State Bank Balance Sheet Analysis

As of March 31, 2015, Columbus Junction State Bank had assets of $46,995,000, loans of $22,994,000, and deposits of $49,782,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 22.99 million
Loan loss allowance $ 0.87 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.05 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 49.78 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 53.99 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Iowa, Columbus Junction State Bank has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Small Business 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 36.73
Multifamily
Mortgages
0.05
Credit Card Loans 0.00
Consumer Auto Loans 5.00
Small Business Loans 18.80
Construction and Development Loans 0.70
Commercial Real Estate 18.81
Commercial and Industrial Loans 14.38
Farm Loans 15.62

Frequently Asked Questions About Columbus Junction State Bank

Branches and Savings

Is Columbus Junction State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #249.

Why does Columbus Junction 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 Columbus Junction State Bank CD rates not competitive?

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

Is Columbus Junction State Bank a commercial bank?

Yes

Where are Columbus Junction State Bank locations?

See branch locations nearby.

Is Columbus Junction State Bank open on Saturdays?

Is Columbus Junction State Bank open on Sundays?

What time does Columbus Junction State Bank open?

What time does Columbus Junction State Bank close?

Are Columbus Junction State Bank ATMs Open 24/7?

Do Columbus Junction State Bank ATMs accept cash deposits?

Can Columbus Junction State Bank customers use other ATMs?

Do Columbus Junction State Bank branches have notaries?

Will Columbus Junction State Bank notarize my document?

What address for Columbus Junction State Bank should I put for incoming ACH transfers?

Will the Columbus Junction State Bank branch print checks?

Do Columbus Junction State Bank checks expire?

Does Columbus Junction State Bank require US citizenship to open account?

Can Columbus Junction State Bank close my account?

Does Columbus Junction State Bank Report to credit bureaus?

Does Columbus Junction State Bank Use Equifax?

What is Columbus Junction State Bank's ACH Routing Number?

What is Columbus Junction State Bank's SWIFT code?

Products

Does Columbus Junction State Bank offer mortgages?

Compare mortgage rates here.

Does Columbus Junction State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Columbus Junction State Bank offer personal loans?

Compare personal loan rates here.

Does Columbus Junction State Bank offer student loans?

Will Columbus Junction State Bank cash a check?

Will Columbus Junction State Bank redeem a savings bond?

Does Columbus Junction State Bank cash savings bonds?

Will Columbus Junction State Bank cash money orders?

Can Columbus Junction State Bank issue a money order?

Does Columbus Junction State Bank do currency exchange?

Background on The Bank

Who owns Columbus Junction State Bank?

How long has Columbus Junction State Bank been around?

Can Columbus Junction State Bank transfer to other banks?

Does Columbus Junction State Bank have quick pay?

Does Columbus Junction State Bank accept rolled coins?

Will Columbus Junction State Bank accept loose change?

Where is Columbus Junction State Bank headquarters?

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