Fayetteville Bank

Headquarters

107 West Fayette Street
Fayetteville, TX 78940
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 1.05% →
1-Year CD 1.06% 0.95% →
2-Year CD 1.16% 1.05% →
5-Year CD 1.16% 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Fayetteville Bank is an FDIC insured institution located in Fayetteville, TX. It was founded in 1917 and has approximately $0.58 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 3195
Date Established 1917
Assets $ 581.77 million
Loans $ 84.05 million
Deposits $ 497.82 million
Capital $ 69.29 million
 

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

Deposit Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.50% $100 - Learn More
Premium Money Market Account
0.10% $1,000 $24,999 Learn More
Premium Money Market Account
0.15% $25,000 $49,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.45% $500 $99,999 Learn More
6 Mo CD
0.55% $100,000 - Learn More
12 Mo CD
1.06% $100,000 $199,999 Learn More
18 Mo CD
1.11% $100,000 $199,999 Learn More
24 Mo CD
1.06% $500 $99,999 Learn More
24 Mo CD
1.16% $100,000 - Learn More
36 Mo CD
1.06% $500 $99,999 Learn More
36 Mo CD
1.16% $100,000 - Learn More
48 Mo CD
1.06% $500 $99,999 Learn More
48 Mo CD
1.16% $100,000 - Learn More
60 Mo CD
1.06% $500 $99,999 Learn More
60 Mo CD
1.16% $100,000 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 - Learn MoreShow Less

Loan Rates - September 24, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Fayetteville 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
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,128 $1,021 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 Fayetteville Bank
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Fayetteville 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


Fayetteville Bank Locations


Financial Details

Fayetteville Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fayetteville 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
Fayetteville Bank U.S. Bank Average
0.37% 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, Fayetteville Bank had $0 in non-current loans and $262,000 in owned real estate. To cover these potential losses it had $69,285,000 in equity and $1,276,000 in loans loss reserves. That gives it a Texas Ratio of 0.37%.

Return on Equity
Fayetteville Bank U.S. Bank Average
20.78% 7.80%

Fayetteville Bank has a Return on Equity of 20.78% 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
Fayetteville Bank U.S. Bank Average
11.91% 12.68%

Fayetteville Bank has a Capitalization of 11.91% 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.

Fayetteville Bank Balance Sheet Analysis

As of March 31, 2020, Fayetteville Bank had assets of $581,774,000, loans of $84,053,000, and deposits of $497,820,000. 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 $ 3.76 million
Interest-bearing balances $ 0.95 million
Total securities $ 468.36 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 84.05 million
Loan loss allowance $ 1.28 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.26 million
Goodwill and other intangibles N.A.
All other assets $ 20.11 million
     Total Assets $ 512.49 million
LIABILITIES
Total deposits $ 497.82 million
      Interest-bearing deposits $ 455.90 million
      Deposits held in domestic offices $ 497.82 million
      % insured (estimated) 72.00%
Federal funds purchased and repurchase agreements $ 8.40 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 6.27 million
      Total Liabilities $ 512.49 million
      Shareholders’ Equity $ 69.29 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 4.31 million
Total Interest Expense $ 2.07 million
Net interest income $ 2.25 million
Provision for loan and lease losses $ 0.10 million
Total non interest income $ 0.23 million
Total non interest expense $ 1.46 million
Pre-tax Net Operating Income $ 0.92 million

Bank Loan Profile?

The top three loan types in Fayetteville Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, Fayetteville Bank’s loan portfolio does not show any specific loan specialty.

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 26.88
Multifamily
Mortgages
0.02
Credit Card Loans 0.00
Consumer Auto Loans 0.81
Small Business Loans 7.02
Construction and Development Loans 13.18
Commercial Real Estate 17.52
Commercial and Industrial Loans 25.69
Farm Loans 6.07

Frequently Asked Questions About Fayetteville Bank

Branches and Savings

Is Fayetteville Bank FDIC insured?

Yes. It is covered under FDIC Certificate #3195.

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

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

Why are Fayetteville Bank CD rates not competitive?

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

Is Fayetteville Bank a commercial bank?

Yes

Where are Fayetteville Bank locations?

See branch locations nearby.

Is Fayetteville Bank open on Saturdays?

Is Fayetteville Bank open on Sundays?

What time does Fayetteville Bank open?

What time does Fayetteville Bank close?

Are Fayetteville Bank ATMs Open 24/7?

Do Fayetteville Bank ATMs accept cash deposits?

Can Fayetteville Bank customers use other ATMs?

Do Fayetteville Bank branches have notaries?

Will Fayetteville Bank notarize my document?

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

Will the Fayetteville Bank branch print checks?

Do Fayetteville Bank checks expire?

Does Fayetteville Bank require US citizenship to open account?

Can Fayetteville Bank close my account?

Does Fayetteville Bank Report to credit bureaus?

Does Fayetteville Bank Use Equifax?

What is Fayetteville Bank's ACH Routing Number?

What is Fayetteville Bank's SWIFT code?

Products

Does Fayetteville Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Fayetteville Bank offer personal loans?

Compare personal loan rates here.

Does Fayetteville Bank offer student loans?

Will Fayetteville Bank cash a check?

Will Fayetteville Bank redeem a savings bond?

Does Fayetteville Bank cash savings bonds?

Will Fayetteville Bank cash money orders?

Can Fayetteville Bank issue a money order?

Does Fayetteville Bank do currency exchange?

Background on The Bank

Who owns Fayetteville Bank?

How long has Fayetteville Bank been around?

Can Fayetteville Bank transfer to other banks?

Does Fayetteville Bank have quick pay?

Does Fayetteville Bank accept rolled coins?

Will Fayetteville Bank accept loose change?

Where is Fayetteville Bank headquarters?

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