Darby Bank & Trust Co.

Headquarters

P.O. Box 670
Vidalia, GA 30475
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 0.85% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.61% →
15-Year Mortgage N.A. 2.31% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Darby Bank & Trust Co. is an FDIC insured institution located in Vidalia, GA. It was founded in 1927 and has approximately $0.65 billion in assets.

Darby Bank & Trust Co., Vidalia, Georgia, was closed November 12, 2010 by the Georgia Department of Banking and Finance, which appointed the Federal Deposit Insurance Corporation (FDIC) as receiver. To protect depositors, the FDIC entered into a purchase and assumption agreement with Ameris Bank, Moultrie, Georgia, to acquire the banking operations, including all the deposits, of Darby.

FDIC Insured Yes
FDIC Certificate # 14580
Date Established 1927
Assets $ 654.71 million
Loans $ 386.21 million
Deposits $ 587.63 million
Capital $ 9.02 million
 

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

Deposit Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

 

Loan Rates - November 29, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Darby Bank & Trust Co.

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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.557% 2.500% 0.75 $1,880 $988 Learn More

Featured - Connecticut 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

Note to Darby Bank & Trust Co.
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Branches

Darby Bank & Trust Co. 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:
Fairfield,Connecticut


Darby Bank & Trust Co. Locations


Financial Details

Darby Bank & Trust Co. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Darby Bank & Trust Co.. 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
Darby Bank & Trust Co. U.S. Bank Average
427.21% 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, Darby Bank & Trust Co. had $50,194,000 in non-current loans and $42,190,000 in owned real estate. To cover these potential losses it had $9,021,000 in equity and $12,604,000 in loans loss reserves. That gives it a Texas Ratio of 427.21%.

Return on Equity
Darby Bank & Trust Co. U.S. Bank Average
-153.91% 7.80%

Darby Bank & Trust Co. has a Return on Equity of -153.91% 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.

Capitalization
Darby Bank & Trust Co. U.S. Bank Average
1.38% 12.68%

Darby Bank & Trust Co. has a Capitalization of 1.38% 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.

Darby Bank & Trust Co. Balance Sheet Analysis

As of November 30, -0001, Darby Bank & Trust Co. had assets of $654,714,000, loans of $386,211,000, and deposits of $587,626,000. 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
ASSETS
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 $ 386.21 million
Loan loss allowance $ 12.60 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 42.19 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 587.63 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 $ 654.71 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
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 Darby Bank & Trust Co.’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Darby Bank & Trust Co.’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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Darby Bank & Trust Co.

Branches and Savings

Is Darby Bank & Trust Co. FDIC insured?

Yes. It is covered under FDIC Certificate #14580.

Why does Darby Bank & Trust Co. pay such low interest on savings accounts?

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

Why are Darby Bank & Trust Co. CD rates not competitive?

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

Is Darby Bank & Trust Co. a commercial bank?

Yes

Where are Darby Bank & Trust Co. locations?

See branch locations nearby.

Is Darby Bank & Trust Co. open on Saturdays?

Is Darby Bank & Trust Co. open on Sundays?

What time does Darby Bank & Trust Co. open?

What time does Darby Bank & Trust Co. close?

Are Darby Bank & Trust Co. ATMs Open 24/7?

Do Darby Bank & Trust Co. ATMs accept cash deposits?

Can Darby Bank & Trust Co. customers use other ATMs?

Do Darby Bank & Trust Co. branches have notaries?

Will Darby Bank & Trust Co. notarize my document?

What address for Darby Bank & Trust Co. should I put for incoming ACH transfers?

Will the Darby Bank & Trust Co. branch print checks?

Do Darby Bank & Trust Co. checks expire?

Does Darby Bank & Trust Co. require US citizenship to open account?

Can Darby Bank & Trust Co. close my account?

Does Darby Bank & Trust Co. Report to credit bureaus?

Does Darby Bank & Trust Co. Use Equifax?

What is Darby Bank & Trust Co.'s ACH Routing Number?

What is Darby Bank & Trust Co.'s SWIFT code?

Products

Does Darby Bank & Trust Co. offer mortgages?

Compare mortgage rates here.

Does Darby Bank & Trust Co. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Darby Bank & Trust Co. offer personal loans?

Compare personal loan rates here.

Does Darby Bank & Trust Co. offer student loans?

Will Darby Bank & Trust Co. cash a check?

Will Darby Bank & Trust Co. redeem a savings bond?

Does Darby Bank & Trust Co. cash savings bonds?

Will Darby Bank & Trust Co. cash money orders?

Can Darby Bank & Trust Co. issue a money order?

Does Darby Bank & Trust Co. do currency exchange?

Background on The Bank

Who owns Darby Bank & Trust Co.?

How long has Darby Bank & Trust Co. been around?

Can Darby Bank & Trust Co. transfer to other banks?

Does Darby Bank & Trust Co. have quick pay?

Does Darby Bank & Trust Co. accept rolled coins?

Will Darby Bank & Trust Co. accept loose change?

Where is Darby Bank & Trust Co. headquarters?

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