Country Bank


147 North Cortez Street
Prescott, AZ 86301
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Country Bank is an FDIC insured institution located in Prescott, AZ. It was founded in 2003 and has approximately $0.22 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57498
Date Established 2003
Assets $ 217.37 million
Loans $ 104.87 million
Deposits $ 194.49 million
Capital $ 22.21 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 - June 17, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - June 17, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

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3.465% 3.375%
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License#: 13256
2.669% 2.625%
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2.582% 2.500%
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CIT Bank
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2.983% 2.950%
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Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Third Federal Savings and Loan
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2.240 %
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Bethpage Federal Credit Union
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After Intro: 3.750 %
Intro Period: 12 months
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BMO Harris Bank
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After Intro: 4.840 %
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Note to Country Bank
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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
1.92% 5.49%

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 December 31, 2020, Country Bank had $0 in non-current loans and $462,000 in owned real estate. To cover these potential losses it had $22,208,000 in equity and $1,890,000 in loans loss reserves. That gives it a Texas Ratio of 1.92%.

Return on Equity
Country Bank U.S. Bank Average
11.36% 9.24%

Country Bank has a Return on Equity of 11.36% versus the BestCashCow average of 9.24%. 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
10.22% 11.96%

Country Bank has a Capitalization of 10.22% versus the BestCashCow average of 11.96. 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 June 30, 2016, Country Bank had assets of $217,365,000, loans of $104,871,000, and deposits of $194,492,000. 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

December 31, 2020
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 $ 104.87 million
Loan loss allowance $ 1.89 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.46 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 194.49 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 $ 217.37 million

Summary Income Statement

December 31, 2020
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 Country Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Arizona, Country Bank has a significantly higher percent of Small Business Loans, Construction and Development 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.29
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 38.61
Construction and Development Loans 16.93
Commercial Real Estate 49.62
Commercial and Industrial Loans 5.81
Farm Loans 0.31

Frequently Asked Questions About Country Bank

Branches and Savings

Is Country Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57498.

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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