Escambia County Bank

2151 Ringold St
Flomaton, AL 36441


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1746
Date Established 1924
Assets $0.07 billion
Loans $0.02 billion
Deposits $0.06 billion
Capital $0.01 billion

Escambia County Bank is an FDIC insured institution located in Flomaton, AL. It was founded in 1924 and has approximately $0.07 billion in assets.

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

Bank Loan Profile?

The top three loan types in Escambia County Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Multifamily Mortgages.

Compared to other banks in Alabama, Escambia County Bank has a significantly higher percent of Multifamily Mortgages 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 42.24
Credit Card Loans 0.16
Consumer Auto Loans 4.58
Small Business Loans 5.66
Construction and Development Loans 1.95
Commercial Real Estate 5.66
Commercial and Industrial Loans 21.23
Farm Loans 1.17

Deposit Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.15% $10,000 $49,999 Learn MoreShow Less
3 Mo CD
0.45% $10,000 $99,999 Learn MoreShow Less
6 Mo CD
0.55% $10,000 $99,999 Learn MoreShow Less

Variable IRA Rates APY MIN MAX
1.00% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,500 - Learn MoreShow Less

Loan Rates - October 17, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Escambia County Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.766% 4.750% 0.25 $470 $1,305 Learn More
Ally Bank
NMLS ID: 181005
4.933% 4.875% 0.25 $1,766 $1,324 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.673% 4.625% 0.13 $1,510 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to Escambia County Bank
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Escambia County Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Escambia County Bank Locations

Financial Details

Escambia County Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Escambia County Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Escambia County Bank U.S. Bank Average
5.33% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, Escambia County Bank had $599,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,741,000 in equity and $500,000 in loans loss reserves. That gives it a Texas Ratio of 5.33%.

Return on Equity
Escambia County Bank U.S. Bank Average
9.2% 9.77%

Escambia County Bank has a Return on Equity of 9.2% versus the BestCashCow average of 9.77%. 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.

Escambia County Bank U.S. Bank Average
15.03% 12.31%

Escambia County Bank has a Capitalization of 15.03% versus the BestCashCow average of 12.31. 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.

Escambia County Bank Balance Sheet Analysis

As of June 30, 2018, Escambia County Bank had assets of $71,457,000, loans of $24,982,000, and deposits of $60,582,000. 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

June 30, 2018
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.04 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.06 billion
Total deposits $0.06 billion
      Interest-bearing deposits $0.05 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 90.27%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2018
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Escambia County Bank

Branches and Savings

Is Escambia County Bank FDIC insured?

Yes. It is covered under FDIC Certificate #1746.

Why does Escambia County Bank pay such low interest on savings accounts?

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

Why are Escambia County Bank CD rates not competitive?

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

Is Escambia County Bank a commercial bank?


Where are Escambia County Bank locations?

See branch locations nearby.

Is Escambia County Bank open on Saturdays?

Is Escambia County Bank open on Sundays?

What time does Escambia County Bank open?

What time does Escambia County Bank close?

Are Escambia County Bank ATMs Open 24/7?

Do Escambia County Bank ATMs accept cash deposits?

Can Escambia County Bank customers use other ATMs?

Do Escambia County Bank branches have notaries?

Will Escambia County Bank notarize my document?

What address for Escambia County Bank should I put for incoming ACH transfers?

Will the Escambia County Bank branch print checks?

Do Escambia County Bank checks expire?

Does Escambia County Bank require US citizenship to open account?

Can Escambia County Bank close my account?

Does Escambia County Bank Report to credit bureaus?

Does Escambia County Bank Use Equifax?

What is Escambia County Bank's ACH Routing Number?

What is Escambia County Bank's SWIFT code?


Does Escambia County Bank offer mortgages?

Compare mortgage rates here.

Does Escambia County Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Escambia County Bank offer personal loans?

Compare personal loan rates here.

Does Escambia County Bank offer student loans?

Will Escambia County Bank cash a check?

Will Escambia County Bank redeem a savings bond?

Does Escambia County Bank cash savings bonds?

Will Escambia County Bank cash money orders?

Can Escambia County Bank issue a money order?

Does Escambia County Bank do currency exchange?

Background on The Bank

Who owns Escambia County Bank?

How long has Escambia County Bank been around?

Can Escambia County Bank transfer to other banks?

Does Escambia County Bank have quick pay?

Does Escambia County Bank accept rolled coins?

Will Escambia County Bank accept loose change?

Where is Escambia County Bank headquarters?

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