D'Hanis State Bank


7340 County Road 525
D Hanis, TX 78850
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
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

D'Hanis State Bank is an FDIC insured institution located in D Hanis, TX. It was founded in 1916 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 11550
Date Established 1916
Assets $ 45.74 million
Loans $ 23.36 million
Deposits $ 38.20 million
Capital $ 7.50 million

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

Deposit Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for D'Hanis 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 2021

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License#: ML-1764611
2.745% 2.690%
0.75 points
$1,810 fees
$1,013 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Intro APR 2.990 %
After Intro: 3.750 %
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After Intro: 4.840 %
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Third Federal Savings and Loan
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2.240 %
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Note to D'Hanis State Bank
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Financial Details

D'Hanis State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of D'Hanis 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
D'Hanis State Bank U.S. Bank Average
6.64% 5.29%

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, 2021, D'Hanis State Bank had $362,000 in non-current loans and $154,000 in owned real estate. To cover these potential losses it had $7,495,000 in equity and $274,000 in loans loss reserves. That gives it a Texas Ratio of 6.64%.

Return on Equity
D'Hanis State Bank U.S. Bank Average
-4.54% 11.43%

D'Hanis State Bank has a Return on Equity of -4.54% versus the BestCashCow average of 11.43%. 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.

D'Hanis State Bank U.S. Bank Average
16.39% 11.51%

D'Hanis State Bank has a Capitalization of 16.39% versus the BestCashCow average of 11.51. 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.

D'Hanis State Bank Balance Sheet Analysis

As of September 30, 2014, D'Hanis State Bank had assets of $45,743,000, loans of $23,364,000, and deposits of $38,196,000. 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, 2021
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 $ 23.36 million
Loan loss allowance $ 0.27 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.15 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 38.20 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 $ 45.74 million

Summary Income Statement

March 31, 2021
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 D'Hanis State Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Texas, D'Hanis State Bank has a significantly higher percent of Multifamily Mortgages, Small Business 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 24.62
Credit Card Loans 0.00
Consumer Auto Loans 2.26
Small Business Loans 16.40
Construction and Development Loans 7.85
Commercial Real Estate 25.35
Commercial and Industrial Loans 10.95
Farm Loans 2.31

Frequently Asked Questions About D'hanis State Bank

Branches and Savings

Is D'hanis State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #11550.

Why does D'hanis 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 D'hanis State Bank CD rates not competitive?

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

Is D'hanis State Bank a commercial bank?


Where are D'hanis State Bank locations?

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Is D'hanis State Bank open on Saturdays?

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Are D'hanis State Bank ATMs Open 24/7?

Do D'hanis State Bank ATMs accept cash deposits?

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Do D'hanis State Bank branches have notaries?

Will D'hanis State Bank notarize my document?

What address for D'hanis State Bank should I put for incoming ACH transfers?

Will the D'hanis State Bank branch print checks?

Do D'hanis State Bank checks expire?

Does D'hanis State Bank require US citizenship to open account?

Can D'hanis State Bank close my account?

Does D'hanis State Bank Report to credit bureaus?

Does D'hanis State Bank Use Equifax?

What is D'hanis State Bank's ACH Routing Number?

What is D'hanis State Bank's SWIFT code?


Does D'hanis State Bank offer mortgages?

Compare mortgage rates here.

Does D'hanis State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does D'hanis State Bank offer personal loans?

Compare personal loan rates here.

Does D'hanis State Bank offer student loans?

Will D'hanis State Bank cash a check?

Will D'hanis State Bank redeem a savings bond?

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Will D'hanis State Bank cash money orders?

Can D'hanis State Bank issue a money order?

Does D'hanis State Bank do currency exchange?

Background on The Bank

Who owns D'hanis State Bank?

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Can D'hanis State Bank transfer to other banks?

Does D'hanis State Bank have quick pay?

Does D'hanis State Bank accept rolled coins?

Will D'hanis State Bank accept loose change?

Where is D'hanis State Bank headquarters?

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