Eagle Community Bank

Headquarters

9600 Upland Lane North
Maple Grove, MN 55369
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.02% 1.05% →
1-Year CD 0.75% 0.95% →
2-Year CD 1.16% 1.05% →
5-Year CD 1.46% 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

Eagle Community Bank is an FDIC insured institution located in Maple Grove, MN. It was founded in 2002 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57477
Date Established 2002
Assets $ 27.49 million
Loans $ 21.87 million
Deposits $ 25.06 million
Capital $ 2.27 million
 

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

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.02% $2,500 $4,999 Learn More
Money Market
0.02% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.07% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.65% $10,000 $14,999 Learn More
6 Mo CD
0.65% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
1.00% $10,000 $14,999 Learn More
18 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
1.16% $10,000 $14,999 Learn More
24 Mo CD
1.16% $100,000 $199,999 Learn More
36 Mo CD
1.36% $10,000 $14,999 Learn More
36 Mo CD
1.36% $100,000 $199,999 Learn More
60 Mo CD
1.46% $10,000 $14,999 Learn More
60 Mo CD
1.46% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Eagle Community 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
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 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
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to Eagle Community Bank
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Branches

Eagle Community 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


Eagle Community Bank Locations


Financial Details

Eagle Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Eagle Community 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
Eagle Community Bank U.S. Bank Average
20.42% 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, Eagle Community Bank had $0 in non-current loans and $498,000 in owned real estate. To cover these potential losses it had $2,270,000 in equity and $169,000 in loans loss reserves. That gives it a Texas Ratio of 20.42%.

Return on Equity
Eagle Community Bank U.S. Bank Average
21.72% 7.80%

Eagle Community Bank has a Return on Equity of 21.72% 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
Eagle Community Bank U.S. Bank Average
8.26% 12.68%

Eagle Community Bank has a Capitalization of 8.26% 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.

Eagle Community Bank Balance Sheet Analysis

As of March 31, 2020, Eagle Community Bank had assets of $27,493,000, loans of $21,870,000, and deposits of $25,062,000. 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 $ 4.45 million
Interest-bearing balances $ 3.95 million
Total securities $ 0.10 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 21.87 million
Loan loss allowance $ 0.17 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.50 million
Goodwill and other intangibles N.A.
All other assets $ 0.41 million
     Total Assets $ 25.22 million
LIABILITIES
Total deposits $ 25.06 million
      Interest-bearing deposits $ 19.19 million
      Deposits held in domestic offices $ 25.06 million
      % insured (estimated) 75.23%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.16 million
      Total Liabilities $ 25.22 million
      Shareholders’ Equity $ 2.27 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.32 million
Total Interest Expense $ 0.03 million
Net interest income $ 0.29 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.11 million
Total non interest expense $ 0.28 million
Pre-tax Net Operating Income $ 0.12 million

Bank Loan Profile?

The top three loan types in Eagle Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Minnesota, Eagle Community Bank has a significantly higher percent of 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 34.88
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.02
Small Business Loans 28.14
Construction and Development Loans 0.34
Commercial Real Estate 49.03
Commercial and Industrial Loans 13.37
Farm Loans 0.00

Frequently Asked Questions About Eagle Community Bank

Branches and Savings

Is Eagle Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57477.

Why does Eagle Community Bank pay such low interest on savings accounts?

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

Why are Eagle Community Bank CD rates not competitive?

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

Is Eagle Community Bank a commercial bank?

Yes

Where are Eagle Community Bank locations?

See branch locations nearby.

Is Eagle Community Bank open on Saturdays?

Is Eagle Community Bank open on Sundays?

What time does Eagle Community Bank open?

What time does Eagle Community Bank close?

Are Eagle Community Bank ATMs Open 24/7?

Do Eagle Community Bank ATMs accept cash deposits?

Can Eagle Community Bank customers use other ATMs?

Do Eagle Community Bank branches have notaries?

Will Eagle Community Bank notarize my document?

What address for Eagle Community Bank should I put for incoming ACH transfers?

Will the Eagle Community Bank branch print checks?

Do Eagle Community Bank checks expire?

Does Eagle Community Bank require US citizenship to open account?

Can Eagle Community Bank close my account?

Does Eagle Community Bank Report to credit bureaus?

Does Eagle Community Bank Use Equifax?

What is Eagle Community Bank's ACH Routing Number?

What is Eagle Community Bank's SWIFT code?

Products

Does Eagle Community Bank offer mortgages?

Compare mortgage rates here.

Does Eagle Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Eagle Community Bank offer personal loans?

Compare personal loan rates here.

Does Eagle Community Bank offer student loans?

Will Eagle Community Bank cash a check?

Will Eagle Community Bank redeem a savings bond?

Does Eagle Community Bank cash savings bonds?

Will Eagle Community Bank cash money orders?

Can Eagle Community Bank issue a money order?

Does Eagle Community Bank do currency exchange?

Background on The Bank

Who owns Eagle Community Bank?

How long has Eagle Community Bank been around?

Can Eagle Community Bank transfer to other banks?

Does Eagle Community Bank have quick pay?

Does Eagle Community Bank accept rolled coins?

Will Eagle Community Bank accept loose change?

Where is Eagle Community Bank headquarters?

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