Country Bank


655 Third Avenue, 9th Floor
New York, NY 10017
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 0.95% →
1-Year CD 0.25% 1.01% →
2-Year CD 0.40% 0.95% →
5-Year CD 0.75% 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

Country Bank is an FDIC insured institution located in New York, NY. It was founded in 1988 and has approximately $0.8 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 27226
Date Established 1988
Assets $ 786.32 million
Loans $ 614.29 million
Deposits $ 650.66 million
Capital $ 88.20 million

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

Deposit Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.03% $2,500 $4,999 Learn More
Money Market
0.03% $2,500 $2,999 Learn More
Money Market
0.03% $10,000 $14,999 Learn More
Money Market
0.03% $25,000 $29,999 Learn More
3 Mo CD
0.10% $10,000 $14,999 Learn More
3 Mo CD
0.10% $100,000 $199,999 Learn More
6 Mo CD
0.15% $10,000 $14,999 Learn More
6 Mo CD
0.15% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.35% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.40% $100,000 $199,999 Learn More
30 Mo CD
0.40% $10,000 $14,999 Learn More
30 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.45% $10,000 $14,999 Learn More
36 Mo CD
0.45% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.50% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More

Loan Rates - October 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Country 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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.664% 2.625% 0.50 $1,285 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.444% 2.375% 0.88 $2,304 $972 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Country Bank
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Country Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Country Bank Locations

Financial Details

Country Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Country Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Country Bank U.S. Bank Average
4.95% 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, Country Bank had $4,202,000 in non-current loans and $539,000 in owned real estate. To cover these potential losses it had $88,195,000 in equity and $7,548,000 in loans loss reserves. That gives it a Texas Ratio of 4.95%.

Return on Equity
Country Bank U.S. Bank Average
13.09% 7.80%

Country Bank has a Return on Equity of 13.09% 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.

Country Bank U.S. Bank Average
11.22% 12.68%

Country Bank has a Capitalization of 11.22% 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.

Country Bank Balance Sheet Analysis

As of December 31, 2019, Country Bank had assets of $795,727,000, loans of $614,286,000, and deposits of $650,663,000. 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
Cash & Balances due from depository institutions $ 20.80 million
Interest-bearing balances $ 15.83 million
Total securities $ 144.46 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 614.29 million
Loan loss allowance $ 7.55 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.54 million
Goodwill and other intangibles N.A.
All other assets $ 14.30 million
     Total Assets $ 707.53 million
Total deposits $ 650.66 million
      Interest-bearing deposits $ 548.00 million
      Deposits held in domestic offices $ 650.66 million
      % insured (estimated) 81.51%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 45.50 million
Subordinated debt N.A.
All other liabilities $ 11.37 million
      Total Liabilities $ 707.53 million
      Shareholders’ Equity $ 78.79 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 38.86 million
Total Interest Expense $ 11.04 million
Net interest income $ 27.82 million
Provision for loan and lease losses $ 0.50 million
Total non interest income $ 0.50 million
Total non interest expense $ 15.83 million
Pre-tax Net Operating Income $ 11.99 million

Bank Loan Profile?

The top three loan types in Country Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and 1-4 Family Residential Loans.

Compared to other banks in New York, Country Bank has a significantly higher percent of Commercial Real Estate 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.47
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 2.61
Construction and Development Loans 7.40
Commercial Real Estate 45.91
Commercial and Industrial Loans 2.10
Farm Loans 0.00

Frequently Asked Questions About Country Bank

Branches and Savings

Is Country Bank FDIC insured?

Yes. It is covered under FDIC Certificate #27226.

Why does Country Bank pay such low interest on savings accounts?

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

Why are Country Bank CD rates not competitive?

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

Is Country Bank a commercial bank?


Where are Country Bank locations?

See branch locations nearby.

Is Country Bank open on Saturdays?

Is Country Bank open on Sundays?

What time does Country Bank open?

What time does Country Bank close?

Are Country Bank ATMs Open 24/7?

Do Country Bank ATMs accept cash deposits?

Can Country Bank customers use other ATMs?

Do Country Bank branches have notaries?

Will Country Bank notarize my document?

What address for Country Bank should I put for incoming ACH transfers?

Will the Country Bank branch print checks?

Do Country Bank checks expire?

Does Country Bank require US citizenship to open account?

Can Country Bank close my account?

Does Country Bank Report to credit bureaus?

Does Country Bank Use Equifax?

What is Country Bank's ACH Routing Number?

What is Country Bank's SWIFT code?


Does Country Bank offer mortgages?

Compare mortgage rates here.

Does Country Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Country Bank offer personal loans?

Compare personal loan rates here.

Does Country Bank offer student loans?

Will Country Bank cash a check?

Will Country Bank redeem a savings bond?

Does Country Bank cash savings bonds?

Will Country Bank cash money orders?

Can Country Bank issue a money order?

Does Country Bank do currency exchange?

Background on The Bank

Who owns Country Bank?

How long has Country Bank been around?

Can Country Bank transfer to other banks?

Does Country Bank have quick pay?

Does Country Bank accept rolled coins?

Will Country Bank accept loose change?

Where is Country Bank headquarters?

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