County Bank


201 South Jefferson Street
Sigourney, IA 52591
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.11% 1.60% →
1-Year CD 0.49% 1.55% →
2-Year CD 0.69% 2.65% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

County Bank is an FDIC insured institution located in Sigourney, IA. It was founded in 1884 and has approximately $0.17 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 12126
Date Established 1884
Assets $ 173.60 million
Loans $ 141.85 million
Deposits $ 148.40 million
Capital $ 17.92 million

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

Deposit Rates - June 3, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.11% $1 - Learn More
Money Market
0.11% $2,500 $9,999 Learn More
Money Market
0.16% $10,000 $24,999 Learn More
Money Market
0.21% $25,000 - Learn More
3 Mo CD
0.24% $10,000 $24,999 Learn More
3 Mo CD
0.29% $25,000 - Learn More
6 Mo CD
0.25% $10,000 $24,999 Learn More
6 Mo CD
0.35% $25,000 - Learn More
12 Mo CD
0.39% $10,000 $24,999 Learn More
12 Mo CD
0.49% $25,000 - Learn More
18 Mo CD
0.49% $10,000 $24,999 Learn More
18 Mo CD
0.59% $25,000 - Learn More
24 Mo CD
0.59% $10,000 $24,999 Learn More
24 Mo CD
0.69% $25,000 - Learn More
30 Mo CD
0.74% $10,000 $24,999 Learn More
30 Mo CD
0.84% $25,000 - Learn More
36 Mo CD
0.84% $10,000 $24,999 Learn More
36 Mo CD
0.94% $25,000 - Learn More
48 Mo CD
0.94% $10,000 $24,999 Learn More
48 Mo CD
1.03% $25,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.11% $1,000 $9,999 Learn MoreShow Less

Loan Rates - June 3, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for County 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 2020

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.019% 3.000% 0.25 $625 $1,055 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

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


County 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:

County Bank Locations

Financial Details

County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of County 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
Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
County Bank U.S. Bank Average
8.82% 6.51%

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, 2019, County Bank had $1,752,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,924,000 in equity and $1,942,000 in loans loss reserves. That gives it a Texas Ratio of 8.82%.

Return on Equity
County Bank U.S. Bank Average
15.1% 9.41%

County Bank has a Return on Equity of 15.1% versus the BestCashCow average of 9.41%. 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.

County Bank U.S. Bank Average
10.32% 12.82%

County Bank has a Capitalization of 10.32% versus the BestCashCow average of 12.82. 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.

County Bank Balance Sheet Analysis

As of December 31, 2019, County Bank had assets of $173,599,000, loans of $141,845,000, and deposits of $148,404,000. 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, 2019
Cash & Balances due from depository institutions $ 13.49 million
Interest-bearing balances $ 7.98 million
Total securities $ 9.34 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 141.85 million
Loan loss allowance $ 1.94 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.01 million
All other assets $ 4.73 million
     Total Assets $ 155.68 million
Total deposits $ 148.40 million
      Interest-bearing deposits $ 110.43 million
      Deposits held in domestic offices $ 148.40 million
      % insured (estimated) 79.80%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.97 million
Subordinated debt N.A.
All other liabilities $ 0.30 million
      Total Liabilities $ 155.68 million
      Shareholders’ Equity $ 17.92 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 8.53 million
Total Interest Expense $ 1.54 million
Net interest income $ 6.99 million
Provision for loan and lease losses $ 0.35 million
Total non interest income $ 1.18 million
Total non interest expense $ 5.08 million
Pre-tax Net Operating Income $ 2.74 million

Bank Loan Profile?

The top three loan types in County Bank’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, County Bank’s loan portfolio does not show any specific loan specialty.

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 15.92
Credit Card Loans 0.00
Consumer Auto Loans 1.71
Small Business Loans 7.23
Construction and Development Loans 1.84
Commercial Real Estate 8.87
Commercial and Industrial Loans 14.56
Farm Loans 16.76

Frequently Asked Questions About County Bank

Branches and Savings

Is County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12126.

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

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

Why are County Bank CD rates not competitive?

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

Is County Bank a commercial bank?


Where are County Bank locations?

See branch locations nearby.

Is County Bank open on Saturdays?

Is County Bank open on Sundays?

What time does County Bank open?

What time does County Bank close?

Are County Bank ATMs Open 24/7?

Do County Bank ATMs accept cash deposits?

Can County Bank customers use other ATMs?

Do County Bank branches have notaries?

Will County Bank notarize my document?

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

Will the County Bank branch print checks?

Do County Bank checks expire?

Does County Bank require US citizenship to open account?

Can County Bank close my account?

Does County Bank Report to credit bureaus?

Does County Bank Use Equifax?

What is County Bank's ACH Routing Number?

What is County Bank's SWIFT code?


Does County Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does County Bank offer personal loans?

Compare personal loan rates here.

Does County Bank offer student loans?

Will County Bank cash a check?

Will County Bank redeem a savings bond?

Does County Bank cash savings bonds?

Will County Bank cash money orders?

Can County Bank issue a money order?

Does County Bank do currency exchange?

Background on The Bank

Who owns County Bank?

How long has County Bank been around?

Can County Bank transfer to other banks?

Does County Bank have quick pay?

Does County Bank accept rolled coins?

Will County Bank accept loose change?

Where is County Bank headquarters?

Customer Reviews for County Bank

There are currently no comments for County Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →