Community Banks of Shelby County

126 North Grand Ave
Cowden, IL 62422

Notable Rates APY Vs.Others
Savings 0.15% 2.30% →
1-Year CD 0.50% 2.25% →
2-Year CD 0.70% 2.50% →
5-Year CD N.A. 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Community Banks of Shelby County is an FDIC insured institution located in Cowden, IL. It was founded in 1892 and has approximately $0.05 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 920
Date Established 1892
Assets $0.05 billion
Loans $0.02 billion
Deposits $0.04 billion
Capital $0.01 billion
 

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

Deposit Rates - December 9, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $10,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.20% $2,500 - Learn MoreShow Less
6 Mo CD
0.35% $7,500 $19,999 Learn MoreShow Less
6 Mo CD
0.40% $20,000 - Learn MoreShow Less
12 Mo CD
0.50% $1,000 - Learn MoreShow Less
Special: 14 Mo CD
1.26% $5,000 - Learn MoreShow Less
18 Mo CD
0.60% $2,500 - Learn MoreShow Less
Special: 20 Mo CD
1.51% $5,000 - Learn MoreShow Less
24 Mo CD
0.70% $1,000 - Learn MoreShow Less
30 Mo CD
0.80% $1,000 - Learn MoreShow Less
36 Mo CD
0.85% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.95% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - December 9, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Community Banks of Shelby County

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% 0.00 ($65) $1,141 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Community Banks of Shelby County
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Community Banks of Shelby County 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 Banks of Shelby County Locations


Financial Details

Community Banks of Shelby County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Banks of Shelby County. 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 Banks of Shelby County U.S. Bank Average
1.39% 6.77%

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 June 30, 2019, Community Banks of Shelby County had $82,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,644,000 in equity and $265,000 in loans loss reserves. That gives it a Texas Ratio of 1.39%.

Return on Equity
Community Banks of Shelby County U.S. Bank Average
5.81% 9.50%

Community Banks of Shelby County has a Return on Equity of 5.81% versus the BestCashCow average of 9.50%. 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 Banks of Shelby County U.S. Bank Average
11.99% 12.76%

Community Banks of Shelby County has a Capitalization of 11.99% versus the BestCashCow average of 12.76. 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 Banks of Shelby County Balance Sheet Analysis

As of June 30, 2019, Community Banks of Shelby County had assets of $47,055,000, loans of $24,580,000, and deposits of $41,339,000. 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

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 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 $0.04 billion
LIABILITIES
Total deposits $0.04 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.04 billion
      % insured (estimated) 89.35%
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 $0.04 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
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

Bank Loan Profile?

The top three loan types in Community Banks of Shelby County’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Illinois, Community Banks of Shelby County has a significantly higher percent of 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 22.05
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 5.61
Small Business Loans 20.39
Construction and Development Loans 0.00
Commercial Real Estate 20.39
Commercial and Industrial Loans 18.10
Farm Loans 9.78

Frequently Asked Questions About Community Banks Of Shelby County

Branches and Savings

Is Community Banks Of Shelby County FDIC insured?

Yes. It is covered under FDIC Certificate #920.

Why does Community Banks Of Shelby County pay such low interest on savings accounts?

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

Why are Community Banks Of Shelby County CD rates not competitive?

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

Is Community Banks Of Shelby County a commercial bank?

Yes

Where are Community Banks Of Shelby County locations?

See branch locations nearby.

Is Community Banks Of Shelby County open on Saturdays?

Is Community Banks Of Shelby County open on Sundays?

What time does Community Banks Of Shelby County open?

What time does Community Banks Of Shelby County close?

Are Community Banks Of Shelby County ATMs Open 24/7?

Do Community Banks Of Shelby County ATMs accept cash deposits?

Can Community Banks Of Shelby County customers use other ATMs?

Do Community Banks Of Shelby County branches have notaries?

Will Community Banks Of Shelby County notarize my document?

What address for Community Banks Of Shelby County should I put for incoming ACH transfers?

Will the Community Banks Of Shelby County branch print checks?

Do Community Banks Of Shelby County checks expire?

Does Community Banks Of Shelby County require US citizenship to open account?

Can Community Banks Of Shelby County close my account?

Does Community Banks Of Shelby County Report to credit bureaus?

Does Community Banks Of Shelby County Use Equifax?

What is Community Banks Of Shelby County's ACH Routing Number?

What is Community Banks Of Shelby County's SWIFT code?

Products

Does Community Banks Of Shelby County offer mortgages?

Compare mortgage rates here.

Does Community Banks Of Shelby County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Banks Of Shelby County offer personal loans?

Compare personal loan rates here.

Does Community Banks Of Shelby County offer student loans?

Will Community Banks Of Shelby County cash a check?

Will Community Banks Of Shelby County redeem a savings bond?

Does Community Banks Of Shelby County cash savings bonds?

Will Community Banks Of Shelby County cash money orders?

Can Community Banks Of Shelby County issue a money order?

Does Community Banks Of Shelby County do currency exchange?

Background on The Bank

Who owns Community Banks Of Shelby County?

How long has Community Banks Of Shelby County been around?

Can Community Banks Of Shelby County transfer to other banks?

Does Community Banks Of Shelby County have quick pay?

Does Community Banks Of Shelby County accept rolled coins?

Will Community Banks Of Shelby County accept loose change?

Where is Community Banks Of Shelby County headquarters?

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