Farmers & Traders Bank of Campton

Headquarters

215 Mountain Parkway Spur
Campton, KY 41301
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.07% 0.65% →
1-Year CD 0.27% 0.70% →
2-Year CD 0.45% 0.75% →
5-Year CD 1.11% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Farmers & Traders Bank of Campton is an FDIC insured institution located in Campton, KY. It was founded in 1902 and has approximately $0.06 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 288
Date Established 1902
Assets $ 58.93 million
Loans $ 24.76 million
Deposits $ 48.50 million
Capital $ 6.45 million
 

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

Deposit Rates - June 13, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.07% $2,500 $4,999 Learn More
Money Market
0.04% $2,500 $2,999 Learn More
Money Market
0.09% $10,000 $14,999 Learn More
Money Market
0.12% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.17% $10,000 $14,999 Learn More
6 Mo CD
0.17% $100,000 $199,999 Learn More
12 Mo CD
0.27% $10,000 $14,999 Learn More
12 Mo CD
0.27% $100,000 $199,999 Learn More
18 Mo CD
0.37% $10,000 $14,999 Learn More
18 Mo CD
0.37% $100,000 $199,999 Learn More
24 Mo CD
0.45% $10,000 $14,999 Learn More
24 Mo CD
0.45% $100,000 $199,999 Learn More
30 Mo CD
0.50% $10,000 $14,999 Learn More
30 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.65% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
48 Mo CD
0.90% $10,000 $14,999 Learn More
48 Mo CD
0.90% $100,000 $199,999 Learn More
60 Mo CD
1.11% $10,000 $14,999 Learn More
60 Mo CD
1.11% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.37% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.04% $1 $99 Learn MoreShow Less
Int Ckg
0.04% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - June 13, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Farmers & Traders Bank of Campton

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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875%
0.88 points
$2,268 fees
$1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.368% 3.250%
1.00 points
$3,750 fees
$1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Farmers & Traders Bank of Campton
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Branches

Farmers & Traders Bank of Campton 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:
Ashburn,Virginia


Farmers & Traders Bank of Campton Locations


Financial Details

Farmers & Traders Bank of Campton Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Farmers & Traders Bank of Campton. 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 & Traders Bank of Campton U.S. Bank Average
1.71% 5.49%

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 December 31, 2020, Farmers & Traders Bank of Campton had $116,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $6,449,000 in equity and $343,000 in loans loss reserves. That gives it a Texas Ratio of 1.71%.

Return on Equity
Farmers & Traders Bank of Campton U.S. Bank Average
9.43% 9.24%

Farmers & Traders Bank of Campton has a Return on Equity of 9.43% versus the BestCashCow average of 9.24%. 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 & Traders Bank of Campton U.S. Bank Average
10.94% 11.96%

Farmers & Traders Bank of Campton has a Capitalization of 10.94% versus the BestCashCow average of 11.96. 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 & Traders Bank of Campton Balance Sheet Analysis

As of December 31, 2020, Farmers & Traders Bank of Campton had assets of $58,934,000, loans of $24,762,000, and deposits of $48,503,000. 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

December 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 2.38 million
Interest-bearing balances $ 0.25 million
Total securities $ 28.03 million
Federal funds sold and reverse repurchase $ 0.53 million
Net loans and leases $ 24.76 million
Loan loss allowance $ 0.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.57 million
All other assets $ 0.97 million
     Total Assets $ 52.49 million
LIABILITIES
Total deposits $ 48.50 million
      Interest-bearing deposits $ 31.50 million
      Deposits held in domestic offices $ 48.50 million
      % insured (estimated) 84.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 3.75 million
Subordinated debt N.A.
All other liabilities $ 0.23 million
      Total Liabilities $ 52.49 million
      Shareholders’ Equity $ 6.45 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.06 million
Total Interest Expense $ 0.28 million
Net interest income $ 1.77 million
Provision for loan and lease losses $ 0.04 million
Total non interest income $ 0.24 million
Total non interest expense $ 1.58 million
Pre-tax Net Operating Income $ 0.39 million

Bank Loan Profile?

The top three loan types in Farmers & Traders Bank of Campton’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Kentucky, Farmers & Traders Bank of Campton has a significantly higher percent of 1-4 Family Residential Loans, 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 54.82
Multifamily
Mortgages
8.02
Credit Card Loans 0.01
Consumer Auto Loans 1.66
Small Business Loans 15.10
Construction and Development Loans 6.93
Commercial Real Estate 15.10
Commercial and Industrial Loans 2.84
Farm Loans 0.00

Frequently Asked Questions About Farmers & Traders Bank Of Campton

Branches and Savings

Is Farmers & Traders Bank Of Campton FDIC insured?

Yes. It is covered under FDIC Certificate #288.

Why does Farmers & Traders Bank Of Campton pay such low interest on savings accounts?

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

Why are Farmers & Traders Bank Of Campton CD rates not competitive?

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

Is Farmers & Traders Bank Of Campton a commercial bank?

Yes

Where are Farmers & Traders Bank Of Campton locations?

See branch locations nearby.

Is Farmers & Traders Bank Of Campton open on Saturdays?

Is Farmers & Traders Bank Of Campton open on Sundays?

What time does Farmers & Traders Bank Of Campton open?

What time does Farmers & Traders Bank Of Campton close?

Are Farmers & Traders Bank Of Campton ATMs Open 24/7?

Do Farmers & Traders Bank Of Campton ATMs accept cash deposits?

Can Farmers & Traders Bank Of Campton customers use other ATMs?

Do Farmers & Traders Bank Of Campton branches have notaries?

Will Farmers & Traders Bank Of Campton notarize my document?

What address for Farmers & Traders Bank Of Campton should I put for incoming ACH transfers?

Will the Farmers & Traders Bank Of Campton branch print checks?

Do Farmers & Traders Bank Of Campton checks expire?

Does Farmers & Traders Bank Of Campton require US citizenship to open account?

Can Farmers & Traders Bank Of Campton close my account?

Does Farmers & Traders Bank Of Campton Report to credit bureaus?

Does Farmers & Traders Bank Of Campton Use Equifax?

What is Farmers & Traders Bank Of Campton's ACH Routing Number?

What is Farmers & Traders Bank Of Campton's SWIFT code?

Products

Does Farmers & Traders Bank Of Campton offer mortgages?

Compare mortgage rates here.

Does Farmers & Traders Bank Of Campton offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Farmers & Traders Bank Of Campton offer personal loans?

Compare personal loan rates here.

Does Farmers & Traders Bank Of Campton offer student loans?

Will Farmers & Traders Bank Of Campton cash a check?

Will Farmers & Traders Bank Of Campton redeem a savings bond?

Does Farmers & Traders Bank Of Campton cash savings bonds?

Will Farmers & Traders Bank Of Campton cash money orders?

Can Farmers & Traders Bank Of Campton issue a money order?

Does Farmers & Traders Bank Of Campton do currency exchange?

Background on The Bank

Who owns Farmers & Traders Bank Of Campton?

How long has Farmers & Traders Bank Of Campton been around?

Can Farmers & Traders Bank Of Campton transfer to other banks?

Does Farmers & Traders Bank Of Campton have quick pay?

Does Farmers & Traders Bank Of Campton accept rolled coins?

Will Farmers & Traders Bank Of Campton accept loose change?

Where is Farmers & Traders Bank Of Campton headquarters?

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