Decatur State Bank

Headquarters

372 Sh 59 N
Decatur, AR 72722
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.25% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 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

Decatur State Bank is an FDIC insured institution located in Decatur, AR. It was founded in 1954 and has approximately $0.13 billion in assets.

FDIC Insured Yes
FDIC Certificate # 17346
Date Established 1954
Assets $ 128.81 million
Loans $ 96.41 million
Deposits $ 112.40 million
Capital $ 16.20 million
 

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

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Decatur State 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

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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to Decatur State Bank
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Branches

Decatur State 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:
Fairfield,Connecticut


Decatur State Bank Locations


Financial Details

Decatur State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Decatur State Bank. 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
Decatur State Bank U.S. Bank Average
49.38% 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, Decatur State Bank had $3,439,000 in non-current loans and $5,100,000 in owned real estate. To cover these potential losses it had $16,200,000 in equity and $1,091,000 in loans loss reserves. That gives it a Texas Ratio of 49.38%.

Return on Equity
Decatur State Bank U.S. Bank Average
1.67% 7.80%

Decatur State Bank has a Return on Equity of 1.67% 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
Decatur State Bank U.S. Bank Average
12.58% 12.68%

Decatur State Bank has a Capitalization of 12.58% 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.

Decatur State Bank Balance Sheet Analysis

As of September 30, 2014, Decatur State Bank had assets of $128,813,000, loans of $96,408,000, and deposits of $112,397,000. 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 $ 96.41 million
Loan loss allowance $ 1.09 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 5.10 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 112.40 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 $ 128.81 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 Decatur State Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Arkansas, Decatur State Bank has a significantly higher percent of Multifamily Mortgages, Small Business Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.91
Multifamily
Mortgages
5.83
Credit Card Loans 0.27
Consumer Auto Loans 0.64
Small Business Loans 9.48
Construction and Development Loans 4.00
Commercial Real Estate 41.40
Commercial and Industrial Loans 11.84
Farm Loans 1.31

Frequently Asked Questions About Decatur State Bank

Branches and Savings

Is Decatur State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17346.

Why does Decatur State Bank pay such low interest on savings accounts?

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

Why are Decatur State Bank CD rates not competitive?

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

Is Decatur State Bank a commercial bank?

Yes

Where are Decatur State Bank locations?

See branch locations nearby.

Is Decatur State Bank open on Saturdays?

Is Decatur State Bank open on Sundays?

What time does Decatur State Bank open?

What time does Decatur State Bank close?

Are Decatur State Bank ATMs Open 24/7?

Do Decatur State Bank ATMs accept cash deposits?

Can Decatur State Bank customers use other ATMs?

Do Decatur State Bank branches have notaries?

Will Decatur State Bank notarize my document?

What address for Decatur State Bank should I put for incoming ACH transfers?

Will the Decatur State Bank branch print checks?

Do Decatur State Bank checks expire?

Does Decatur State Bank require US citizenship to open account?

Can Decatur State Bank close my account?

Does Decatur State Bank Report to credit bureaus?

Does Decatur State Bank Use Equifax?

What is Decatur State Bank's ACH Routing Number?

What is Decatur State Bank's SWIFT code?

Products

Does Decatur State Bank offer mortgages?

Compare mortgage rates here.

Does Decatur State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Decatur State Bank offer personal loans?

Compare personal loan rates here.

Does Decatur State Bank offer student loans?

Will Decatur State Bank cash a check?

Will Decatur State Bank redeem a savings bond?

Does Decatur State Bank cash savings bonds?

Will Decatur State Bank cash money orders?

Can Decatur State Bank issue a money order?

Does Decatur State Bank do currency exchange?

Background on The Bank

Who owns Decatur State Bank?

How long has Decatur State Bank been around?

Can Decatur State Bank transfer to other banks?

Does Decatur State Bank have quick pay?

Does Decatur State Bank accept rolled coins?

Will Decatur State Bank accept loose change?

Where is Decatur State Bank headquarters?

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