Country Club Bank


1 Ward Pkwy
Kansas City, MO 64112
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.70% →
1-Year CD 0.70% 0.75% →
2-Year CD 0.80% 0.81% →
5-Year CD 1.41% 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 Club Bank is an FDIC insured institution located in Kansas City, MO. It was founded in 1905 and has approximately $1.97 billion in assets. Customers can open an account at one of its 25 branches.

FDIC Insured Yes
FDIC Certificate # 8888
Date Established 1905
Assets $ 1,968.16 million
Loans $ 1,296.60 million
Deposits $ 1,681.04 million
Capital $ 185.66 million

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

Deposit Rates - January 24, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $100 - Learn More
Money Market
0.15% $1,000 $49,999 Learn More
6 Mo CD
0.35% $10,000 $49,999 Learn More
6 Mo CD
0.35% $50,000 $249,999 Learn More
12 Mo CD
0.60% $10,000 $49,999 Learn More
12 Mo CD
0.70% $50,000 $249,999 Learn More
Special: 13 Mo CD
1.16% $25,000 - Learn More
24 Mo CD
0.75% $10,000 $49,999 Learn More
24 Mo CD
0.80% $50,000 $249,999 Learn More
Special: 25 Mo CD
1.16% $25,000 - Learn More
36 Mo CD
1.00% $10,000 $49,999 Learn More
36 Mo CD
1.05% $50,000 $249,999 Learn More
48 Mo CD
1.21% $10,000 $49,999 Learn More
48 Mo CD
1.26% $50,000 $249,999 Learn More
60 Mo CD
1.31% $10,000 $49,999 Learn More
60 Mo CD
1.41% $50,000 $249,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 - Learn MoreShow Less

Loan Rates - January 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Country Club 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

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.562% 2.500% 0.75 $2,030 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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

Note to Country Club Bank
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Financial Details

Country Club Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Country Club 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 Club Bank U.S. Bank Average
5.26% 6.14%

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 September 30, 2020, Country Club Bank had $10,880,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $185,662,000 in equity and $21,267,000 in loans loss reserves. That gives it a Texas Ratio of 5.26%.

Return on Equity
Country Club Bank U.S. Bank Average
19.16% 9.23%

Country Club Bank has a Return on Equity of 19.16% versus the BestCashCow average of 9.23%. 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 Club Bank U.S. Bank Average
9.43% 12.07%

Country Club Bank has a Capitalization of 9.43% versus the BestCashCow average of 12.07. 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 Club Bank Balance Sheet Analysis

As of September 30, 2020, Country Club Bank had assets of $1,968,156,000, loans of $1,296,604,000, and deposits of $1,681,044,000. 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, 2020
Cash & Balances due from depository institutions $ 169.34 million
Interest-bearing balances $ 149.18 million
Total securities $ 412.69 million
Federal funds sold and reverse repurchase $ 4.98 million
Net loans and leases $ 1,296.60 million
Loan loss allowance $ 21.27 million
Trading account assets $ 13.24 million
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 14.43 million
All other assets $ 16.13 million
     Total Assets $ 1,782.49 million
Total deposits $ 1,681.04 million
      Interest-bearing deposits $ 1,027.24 million
      Deposits held in domestic offices $ 1,681.04 million
      % insured (estimated) 64.63%
Federal funds purchased and repurchase agreements $ 74.46 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 26.99 million
      Total Liabilities $ 1,782.49 million
      Shareholders’ Equity $ 185.66 million

Summary Income Statement

September 30, 2020
Total Interest Income $ 48.70 million
Total Interest Expense $ 3.75 million
Net interest income $ 44.95 million
Provision for loan and lease losses $ 6.10 million
Total non interest income $ 40.67 million
Total non interest expense $ 61.30 million
Pre-tax Net Operating Income $ 18.23 million

Bank Loan Profile?

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

Compared to other banks in Missouri, Country Club Bank has a significantly higher percent of Small Business 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.00
Credit Card Loans 0.01
Consumer Auto Loans 0.16
Small Business Loans 8.72
Construction and Development Loans 6.77
Commercial Real Estate 35.78
Commercial and Industrial Loans 38.67
Farm Loans 0.13

Frequently Asked Questions About Country Club Bank

Branches and Savings

Is Country Club Bank FDIC insured?

Yes. It is covered under FDIC Certificate #8888.

Why does Country Club 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 Club Bank CD rates not competitive?

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

Is Country Club Bank a commercial bank?


Where are Country Club Bank locations?

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Is Country Club Bank open on Saturdays?

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Are Country Club Bank ATMs Open 24/7?

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Do Country Club Bank branches have notaries?

Will Country Club Bank notarize my document?

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

Will the Country Club Bank branch print checks?

Watson1895 | Feb 09, 2019

Can I order new checks online?

Do Country Club Bank checks expire?

Does Country Club Bank require US citizenship to open account?

Can Country Club Bank close my account?

Does Country Club Bank Report to credit bureaus?

Does Country Club Bank Use Equifax?

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Does Country Club Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Country Club Bank offer personal loans?

Compare personal loan rates here.

Does Country Club Bank offer student loans?

Will Country Club Bank cash a check?

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Background on The Bank

Who owns Country Club Bank?

How long has Country Club Bank been around?

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Does Country Club Bank accept rolled coins?

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