Community Point Bank

13218 Railroad Avenue
Russellville, MO 65074

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 14604
Date Established 1934
Assets $0.13 billion
Loans $0.10 billion
Deposits $0.11 billion
Capital $0.01 billion

Community Point Bank is an FDIC insured institution located in Russellville, MO. It was founded in 1934 and has approximately $0.13 billion in assets. Customers can open an account at one of its 3 branches.

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

Bank Loan Profile?

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

Compared to other banks in Missouri, Community Point Bank has a significantly higher percent of 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 30.90
Multifamily
Mortgages
0.36
Credit Card Loans 0.00
Consumer Auto Loans 1.84
Small Business Loans 0.00
Construction and Development Loans 1.78
Commercial Real Estate 6.83
Commercial and Industrial Loans 6.47
Farm Loans 14.83

Deposit Rates - February 21, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.80% $5,000 $14,999 Learn MoreShow Less
Money Market
1.60% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.20% $500 - Learn MoreShow Less
Special: 5 Mo CD
1.51% $1,000 - Learn MoreShow Less
6 Mo CD
0.35% $10,000 - Learn MoreShow Less
Special: 9 Mo CD
1.21% $1,000 - Learn MoreShow Less
Special: 12 Mo CD
2.75% $500 - Learn MoreShow Less
12 Mo CD
2.75% $500 - Learn MoreShow Less
Special: 15 Mo CD
2.43% $5,000 - Learn MoreShow Less
Special: 18 Mo CD
2.53% $500 - Learn MoreShow Less
18 Mo CD
2.53% $500 - Learn MoreShow Less
Special: 24 Mo CD
3.01% $500 - Learn MoreShow Less
24 Mo CD
3.01% $500 - Learn MoreShow Less
30 Mo CD
3.01% $500 - Learn MoreShow Less
Special: 30 Mo CD
3.01% $1,000 - Learn MoreShow Less
36 Mo CD
1.21% $500 - Learn MoreShow Less
48 Mo CD
1.61% $500 - Learn MoreShow Less
Special: 57 Mo CD
3.15% $10,000 - Learn MoreShow Less
60 Mo CD
2.07% $500 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.83% $25 - Learn MoreShow Less
Special: 9 Mo FIRA
1.21% $25 - Learn MoreShow Less
Special: 12 Mo FIRA
2.75% $25 - Learn MoreShow Less
Special: 15 Mo FIRA
2.43% $5,000 - Learn MoreShow Less
Special: 18 Mo FIRA
2.53% $500 - Learn MoreShow Less
Special: 24 Mo FIRA
3.01% $500 - Learn MoreShow Less
Special: 30 Mo FIRA
3.01% $1,000 - Learn MoreShow Less
Special: 57 Mo FIRA
3.15% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1 - Learn MoreShow Less

Loan Rates - February 21, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Community Point Bank

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

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

Branches

Community Point 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:
Ashburn,Virginia


Community Point Bank Locations


Financial Details

Community Point Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Point 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
Community Point Bank U.S. Bank Average
0.56% 7.34%

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 September 30, 2018, Community Point Bank had $74,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $11,933,000 in equity and $1,241,000 in loans loss reserves. That gives it a Texas Ratio of 0.56%.

Return on Equity
Community Point Bank U.S. Bank Average
11.2% 9.95%

Community Point Bank has a Return on Equity of 11.2% versus the BestCashCow average of 9.95%. 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 Point Bank U.S. Bank Average
9.36% 12.19%

Community Point Bank has a Capitalization of 9.36% versus the BestCashCow average of 12.19. 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 Point Bank Balance Sheet Analysis

As of September 30, 2018, Community Point Bank had assets of $127,502,000, loans of $102,967,000, and deposits of $111,010,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.02 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.10 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 $0.12 billion
LIABILITIES
Total deposits $0.11 billion
      Interest-bearing deposits $0.10 billion
      Deposits held in domestic offices $0.11 billion
      % insured (estimated) 97.38%
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 $0.12 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

September 30, 2018
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

Frequently Asked Questions About Community Point Bank

Branches and Savings

Is Community Point Bank FDIC insured?

Yes. It is covered under FDIC Certificate #14604.

Why does Community Point Bank pay such low interest on savings accounts?

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

Why are Community Point Bank CD rates not competitive?

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

Is Community Point Bank a commercial bank?

Yes

Where are Community Point Bank locations?

See branch locations nearby.

Is Community Point Bank open on Saturdays?

Is Community Point Bank open on Sundays?

What time does Community Point Bank open?

What time does Community Point Bank close?

Are Community Point Bank ATMs Open 24/7?

Do Community Point Bank ATMs accept cash deposits?

Can Community Point Bank customers use other ATMs?

Do Community Point Bank branches have notaries?

Will Community Point Bank notarize my document?

What address for Community Point Bank should I put for incoming ACH transfers?

Will the Community Point Bank branch print checks?

Do Community Point Bank checks expire?

Does Community Point Bank require US citizenship to open account?

Can Community Point Bank close my account?

Does Community Point Bank Report to credit bureaus?

Does Community Point Bank Use Equifax?

What is Community Point Bank's ACH Routing Number?

What is Community Point Bank's SWIFT code?

Products

Does Community Point Bank offer mortgages?

Compare mortgage rates here.

Does Community Point Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Point Bank offer personal loans?

Compare personal loan rates here.

Does Community Point Bank offer student loans?

Will Community Point Bank cash a check?

Will Community Point Bank redeem a savings bond?

Does Community Point Bank cash savings bonds?

Will Community Point Bank cash money orders?

Can Community Point Bank issue a money order?

Does Community Point Bank do currency exchange?

Background on The Bank

Who owns Community Point Bank?

How long has Community Point Bank been around?

Can Community Point Bank transfer to other banks?

Does Community Point Bank have quick pay?

Does Community Point Bank accept rolled coins?

Will Community Point Bank accept loose change?

Where is Community Point Bank headquarters?

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*All images, logos and public notes on this page appear courtesy of Community Point Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.