Farmers State Bank of Denton, Montana

Headquarters

423 Broadway
Denton, MT 59430
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

Farmers State Bank of Denton, Montana is an FDIC insured institution located in Denton, MT. It was founded in 1929 and has approximately $0.02 billion in assets.

FDIC Insured Yes
FDIC Certificate # 1973
Date Established 1929
Assets $ 19.53 million
Loans $ 13.28 million
Deposits $ 16.75 million
Capital $ 2.55 million
 

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

Deposit Rates - September 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Farmers State Bank of Denton, Montana

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

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3.872% 3.750% 1.00 $3,750 $1,158 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.816% 2.750% 0.88 $2,132 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
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2.990 %
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Note to Farmers State Bank of Denton, Montana
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Branches

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Farmers State Bank of Denton, Montana Locations


Financial Details

Farmers State Bank of Denton, Montana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Farmers State Bank of Denton, Montana. 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
Farmers State Bank of Denton, Montana U.S. Bank Average
7.12% 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, Farmers State Bank of Denton, Montana had $188,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $2,548,000 in equity and $94,000 in loans loss reserves. That gives it a Texas Ratio of 7.12%.

Return on Equity
Farmers State Bank of Denton, Montana U.S. Bank Average
21.83% 7.80%

Farmers State Bank of Denton, Montana has a Return on Equity of 21.83% 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
Farmers State Bank of Denton, Montana U.S. Bank Average
13.04% 12.68%

Farmers State Bank of Denton, Montana has a Capitalization of 13.04% 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.

Farmers State Bank of Denton, Montana Balance Sheet Analysis

As of March 31, 2015, Farmers State Bank of Denton, Montana had assets of $19,534,000, loans of $13,281,000, and deposits of $16,750,000. 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 $ 13.28 million
Loan loss allowance $ 0.09 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 $ 16.75 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 $ 19.53 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 Farmers State Bank of Denton, Montana’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Montana, Farmers State Bank of Denton, Montana has a significantly higher percent of 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 1.89
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 14.29
Farm Loans 67.61

Frequently Asked Questions About Farmers State Bank Of Denton, Montana

Branches and Savings

Is Farmers State Bank Of Denton, Montana FDIC insured?

Yes. It is covered under FDIC Certificate #1973.

Why does Farmers State Bank Of Denton, Montana pay such low interest on savings accounts?

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

Why are Farmers State Bank Of Denton, Montana CD rates not competitive?

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

Is Farmers State Bank Of Denton, Montana a commercial bank?

Yes

Where are Farmers State Bank Of Denton, Montana locations?

See branch locations nearby.

Is Farmers State Bank Of Denton, Montana open on Saturdays?

Is Farmers State Bank Of Denton, Montana open on Sundays?

What time does Farmers State Bank Of Denton, Montana open?

What time does Farmers State Bank Of Denton, Montana close?

Are Farmers State Bank Of Denton, Montana ATMs Open 24/7?

Do Farmers State Bank Of Denton, Montana ATMs accept cash deposits?

Can Farmers State Bank Of Denton, Montana customers use other ATMs?

Do Farmers State Bank Of Denton, Montana branches have notaries?

Will Farmers State Bank Of Denton, Montana notarize my document?

What address for Farmers State Bank Of Denton, Montana should I put for incoming ACH transfers?

Will the Farmers State Bank Of Denton, Montana branch print checks?

Do Farmers State Bank Of Denton, Montana checks expire?

Does Farmers State Bank Of Denton, Montana require US citizenship to open account?

Can Farmers State Bank Of Denton, Montana close my account?

Does Farmers State Bank Of Denton, Montana Report to credit bureaus?

Does Farmers State Bank Of Denton, Montana Use Equifax?

What is Farmers State Bank Of Denton, Montana's ACH Routing Number?

What is Farmers State Bank Of Denton, Montana's SWIFT code?

Products

Does Farmers State Bank Of Denton, Montana offer mortgages?

Compare mortgage rates here.

Does Farmers State Bank Of Denton, Montana offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Farmers State Bank Of Denton, Montana offer personal loans?

Compare personal loan rates here.

Does Farmers State Bank Of Denton, Montana offer student loans?

Will Farmers State Bank Of Denton, Montana cash a check?

Will Farmers State Bank Of Denton, Montana redeem a savings bond?

Does Farmers State Bank Of Denton, Montana cash savings bonds?

Will Farmers State Bank Of Denton, Montana cash money orders?

Can Farmers State Bank Of Denton, Montana issue a money order?

Does Farmers State Bank Of Denton, Montana do currency exchange?

Background on The Bank

Who owns Farmers State Bank Of Denton, Montana?

How long has Farmers State Bank Of Denton, Montana been around?

Can Farmers State Bank Of Denton, Montana transfer to other banks?

Does Farmers State Bank Of Denton, Montana have quick pay?

Does Farmers State Bank Of Denton, Montana accept rolled coins?

Will Farmers State Bank Of Denton, Montana accept loose change?

Where is Farmers State Bank Of Denton, Montana headquarters?

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