Community Bank of Wichita, Inc.

Headquarters

11330 East 21st Street
Wichita, KS 67206
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.25% 1.05% →
1-Year CD 0.60% 0.95% →
2-Year CD 0.75% 1.05% →
5-Year CD 1.11% 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

Community Bank of Wichita, Inc. is an FDIC insured institution located in Wichita, KS. It was founded in 1999 and has approximately $0.09 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 35118
Date Established 1999
Assets $ 87.76 million
Loans $ 71.16 million
Deposits $ 78.89 million
Capital $ 7.86 million
 

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

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.25% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.11% $10,000 $14,999 Learn More
60 Mo CD
1.11% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Community Bank of Wichita, Inc.

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




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,120 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info

Note to Community Bank of Wichita, Inc.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Community Bank of Wichita, 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:
Seattle,Washington


Community Bank of Wichita, Inc. Locations


Financial Details

Community Bank of Wichita, Inc. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank of Wichita, 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
Community Bank of Wichita, Inc. U.S. Bank Average
14.57% 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, Community Bank of Wichita, Inc. had $696,000 in non-current loans and $593,000 in owned real estate. To cover these potential losses it had $7,862,000 in equity and $983,000 in loans loss reserves. That gives it a Texas Ratio of 14.57%.

Return on Equity
Community Bank of Wichita, Inc. U.S. Bank Average
8.08% 7.80%

Community Bank of Wichita, Inc. has a Return on Equity of 8.08% 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
Community Bank of Wichita, Inc. U.S. Bank Average
8.96% 12.68%

Community Bank of Wichita, Inc. has a Capitalization of 8.96% 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.

Community Bank of Wichita, Inc. Balance Sheet Analysis

As of March 31, 2020, Community Bank of Wichita, Inc. had assets of $87,761,000, loans of $71,163,000, and deposits of $78,892,000. 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 $ 3.58 million
Interest-bearing balances $ 2.61 million
Total securities $ 6.19 million
Federal funds sold and reverse repurchase $ 1.90 million
Net loans and leases $ 71.16 million
Loan loss allowance $ 0.98 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.59 million
Goodwill and other intangibles N.A.
All other assets $ 1.62 million
     Total Assets $ 79.90 million
LIABILITIES
Total deposits $ 78.89 million
      Interest-bearing deposits $ 58.13 million
      Deposits held in domestic offices $ 78.89 million
      % insured (estimated) 78.73%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.60 million
Subordinated debt N.A.
All other liabilities $ 0.41 million
      Total Liabilities $ 79.90 million
      Shareholders’ Equity $ 7.86 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.11 million
Total Interest Expense $ 0.20 million
Net interest income $ 0.91 million
Provision for loan and lease losses $ 0.07 million
Total non interest income $ 0.10 million
Total non interest expense $ 0.72 million
Pre-tax Net Operating Income $ 0.22 million

Bank Loan Profile?

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

Compared to other banks in Kansas, Community Bank of Wichita, Inc. has a significantly higher percent of Construction and Development Loans, Commercial Real Estate, Commercial and Industrial 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 25.57
Multifamily
Mortgages
0.07
Credit Card Loans 0.00
Consumer Auto Loans 1.93
Small Business Loans 0.00
Construction and Development Loans 11.96
Commercial Real Estate 28.57
Commercial and Industrial Loans 28.05
Farm Loans 0.11

Frequently Asked Questions About Community Bank Of Wichita, Inc.

Branches and Savings

Is Community Bank Of Wichita, Inc. FDIC insured?

Yes. It is covered under FDIC Certificate #35118.

Why does Community Bank Of Wichita, Inc. pay such low interest on savings accounts?

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

Why are Community Bank Of Wichita, Inc. CD rates not competitive?

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

Is Community Bank Of Wichita, Inc. a commercial bank?

Yes

Where are Community Bank Of Wichita, Inc. locations?

See branch locations nearby.

Is Community Bank Of Wichita, Inc. open on Saturdays?

Is Community Bank Of Wichita, Inc. open on Sundays?

What time does Community Bank Of Wichita, Inc. open?

What time does Community Bank Of Wichita, Inc. close?

Are Community Bank Of Wichita, Inc. ATMs Open 24/7?

Do Community Bank Of Wichita, Inc. ATMs accept cash deposits?

Can Community Bank Of Wichita, Inc. customers use other ATMs?

Do Community Bank Of Wichita, Inc. branches have notaries?

Will Community Bank Of Wichita, Inc. notarize my document?

What address for Community Bank Of Wichita, Inc. should I put for incoming ACH transfers?

Will the Community Bank Of Wichita, Inc. branch print checks?

Do Community Bank Of Wichita, Inc. checks expire?

Does Community Bank Of Wichita, Inc. require US citizenship to open account?

Can Community Bank Of Wichita, Inc. close my account?

Does Community Bank Of Wichita, Inc. Report to credit bureaus?

Does Community Bank Of Wichita, Inc. Use Equifax?

What is Community Bank Of Wichita, Inc.'s ACH Routing Number?

What is Community Bank Of Wichita, Inc.'s SWIFT code?

Products

Does Community Bank Of Wichita, Inc. offer mortgages?

Compare mortgage rates here.

Does Community Bank Of Wichita, Inc. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Bank Of Wichita, Inc. offer personal loans?

Compare personal loan rates here.

Does Community Bank Of Wichita, Inc. offer student loans?

Will Community Bank Of Wichita, Inc. cash a check?

Will Community Bank Of Wichita, Inc. redeem a savings bond?

Does Community Bank Of Wichita, Inc. cash savings bonds?

Will Community Bank Of Wichita, Inc. cash money orders?

Can Community Bank Of Wichita, Inc. issue a money order?

Does Community Bank Of Wichita, Inc. do currency exchange?

Background on The Bank

Who owns Community Bank Of Wichita, Inc.?

How long has Community Bank Of Wichita, Inc. been around?

Can Community Bank Of Wichita, Inc. transfer to other banks?

Does Community Bank Of Wichita, Inc. have quick pay?

Does Community Bank Of Wichita, Inc. accept rolled coins?

Will Community Bank Of Wichita, Inc. accept loose change?

Where is Community Bank Of Wichita, Inc. headquarters?

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