Dutton State Bank

Headquarters

101 Main Street West
Dutton, MT 59433
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
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

Dutton State Bank is an FDIC insured institution located in Dutton, MT. It was founded in 1960 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18292
Date Established 1960
Assets $ 60.27 million
Loans $ 49.85 million
Deposits $ 46.79 million
Capital $ 6.82 million
 

For a more detailed analysis of Dutton 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 Dutton 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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.569% 2.500% 0.88 $2,258 $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 Dutton State Bank
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Branches

Dutton 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


Dutton State Bank Locations


Financial Details

Dutton State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Dutton 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
Dutton State Bank U.S. Bank Average
9.86% 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, Dutton State Bank had $735,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,816,000 in equity and $635,000 in loans loss reserves. That gives it a Texas Ratio of 9.86%.

Return on Equity
Dutton State Bank U.S. Bank Average
9.99% 7.80%

Dutton State Bank has a Return on Equity of 9.99% 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
Dutton State Bank U.S. Bank Average
11.31% 12.68%

Dutton State Bank has a Capitalization of 11.31% 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.

Dutton State Bank Balance Sheet Analysis

As of September 30, 2017, Dutton State Bank had assets of $56,068,000, loans of $49,846,000, and deposits of $46,793,000. 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 $ 49.85 million
Loan loss allowance $ 0.64 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 46.79 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 $ 60.27 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 Dutton State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Montana, Dutton State Bank has a significantly higher percent of Multifamily Mortgages, Farm 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 10.21
Multifamily
Mortgages
5.83
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 6.46
Commercial Real Estate 8.37
Commercial and Industrial Loans 19.72
Farm Loans 38.21

Frequently Asked Questions About Dutton State Bank

Branches and Savings

Is Dutton State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #18292.

Why does Dutton 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 Dutton State Bank CD rates not competitive?

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

Is Dutton State Bank a commercial bank?

Yes

Where are Dutton State Bank locations?

See branch locations nearby.

Is Dutton State Bank open on Saturdays?

Is Dutton State Bank open on Sundays?

What time does Dutton State Bank open?

What time does Dutton State Bank close?

Are Dutton State Bank ATMs Open 24/7?

Do Dutton State Bank ATMs accept cash deposits?

Can Dutton State Bank customers use other ATMs?

Do Dutton State Bank branches have notaries?

Will Dutton State Bank notarize my document?

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

Will the Dutton State Bank branch print checks?

Do Dutton State Bank checks expire?

Does Dutton State Bank require US citizenship to open account?

Can Dutton State Bank close my account?

Does Dutton State Bank Report to credit bureaus?

Does Dutton State Bank Use Equifax?

What is Dutton State Bank's ACH Routing Number?

What is Dutton State Bank's SWIFT code?

Products

Does Dutton State Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Dutton State Bank offer personal loans?

Compare personal loan rates here.

Does Dutton State Bank offer student loans?

Will Dutton State Bank cash a check?

Will Dutton State Bank redeem a savings bond?

Does Dutton State Bank cash savings bonds?

Will Dutton State Bank cash money orders?

Can Dutton State Bank issue a money order?

Does Dutton State Bank do currency exchange?

Background on The Bank

Who owns Dutton State Bank?

How long has Dutton State Bank been around?

Can Dutton State Bank transfer to other banks?

Does Dutton State Bank have quick pay?

Does Dutton State Bank accept rolled coins?

Will Dutton State Bank accept loose change?

Where is Dutton State Bank headquarters?

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