Excel Bank

Headquarters

818 Thompson Boulevard
Sedalia, MO 65301
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
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

Excel Bank is an FDIC insured institution located in Sedalia, MO. It was founded in 1964 and has approximately $0.19 billion in assets.

FDIC Insured Yes
FDIC Certificate # 19189
Date Established 1964
Assets $ 186.11 million
Loans $ 133.23 million
Deposits $ 173.67 million
Capital $ 3.32 million
 

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

Deposit Rates - September 25, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 25, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Excel 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
4.114% 3.990% 1.00 $3,750 $1,193 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

Note to Excel Bank
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Branches

Excel 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


Excel Bank Locations


Financial Details

Excel Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Excel 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
Excel Bank U.S. Bank Average
416.95% 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, Excel Bank had $28,205,000 in non-current loans and $14,862,000 in owned real estate. To cover these potential losses it had $3,322,000 in equity and $7,007,000 in loans loss reserves. That gives it a Texas Ratio of 416.95%.

Return on Equity
Excel Bank U.S. Bank Average
-131.15% 7.80%

Excel Bank has a Return on Equity of -131.15% 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
Excel Bank U.S. Bank Average
1.78% 12.68%

Excel Bank has a Capitalization of 1.78% 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.

Excel Bank Balance Sheet Analysis

As of September 30, 2012, Excel Bank had assets of $186,113,000, loans of $133,229,000, and deposits of $173,670,000. 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 $ 133.23 million
Loan loss allowance $ 7.01 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 14.86 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 173.67 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 $ 186.11 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 Excel Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Missouri, Excel 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.25
Multifamily
Mortgages
6.18
Credit Card Loans 0.00
Consumer Auto Loans 0.93
Small Business Loans 9.45
Construction and Development Loans 9.90
Commercial Real Estate 33.62
Commercial and Industrial Loans 15.38
Farm Loans 2.00

Frequently Asked Questions About Excel Bank

Branches and Savings

Is Excel Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19189.

Why does Excel Bank pay such low interest on savings accounts?

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

Why are Excel Bank CD rates not competitive?

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

Is Excel Bank a commercial bank?

Yes

Where are Excel Bank locations?

See branch locations nearby.

Is Excel Bank open on Saturdays?

Is Excel Bank open on Sundays?

What time does Excel Bank open?

What time does Excel Bank close?

Are Excel Bank ATMs Open 24/7?

Do Excel Bank ATMs accept cash deposits?

Can Excel Bank customers use other ATMs?

Do Excel Bank branches have notaries?

Will Excel Bank notarize my document?

What address for Excel Bank should I put for incoming ACH transfers?

Will the Excel Bank branch print checks?

Do Excel Bank checks expire?

Does Excel Bank require US citizenship to open account?

Can Excel Bank close my account?

Does Excel Bank Report to credit bureaus?

Does Excel Bank Use Equifax?

What is Excel Bank's ACH Routing Number?

What is Excel Bank's SWIFT code?

Products

Does Excel Bank offer mortgages?

Compare mortgage rates here.

Does Excel Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Excel Bank offer personal loans?

Compare personal loan rates here.

Does Excel Bank offer student loans?

Will Excel Bank cash a check?

Will Excel Bank redeem a savings bond?

Does Excel Bank cash savings bonds?

Will Excel Bank cash money orders?

Can Excel Bank issue a money order?

Does Excel Bank do currency exchange?

Background on The Bank

Who owns Excel Bank?

How long has Excel Bank been around?

Can Excel Bank transfer to other banks?

Does Excel Bank have quick pay?

Does Excel Bank accept rolled coins?

Will Excel Bank accept loose change?

Where is Excel Bank headquarters?

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