Fife Commercial Bank

Headquarters

5209 Pacific Highway East
Fife, WA 98424
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

Fife Commercial Bank is an FDIC insured institution located in Fife, WA. It was founded in 1998 and has approximately $0.09 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34791
Date Established 1998
Assets $ 87.72 million
Loans $ 59.45 million
Deposits $ 72.75 million
Capital $ 10.45 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Fife Commercial 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 $2,128 $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

Note to Fife Commercial Bank
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Branches

Fife Commercial 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


Fife Commercial Bank Locations


Financial Details

Fife Commercial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fife Commercial 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
Fife Commercial Bank U.S. Bank Average
0% 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, Fife Commercial Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $10,448,000 in equity and $1,088,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Fife Commercial Bank U.S. Bank Average
16.19% 7.80%

Fife Commercial Bank has a Return on Equity of 16.19% 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
Fife Commercial Bank U.S. Bank Average
11.91% 12.68%

Fife Commercial 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.

Fife Commercial Bank Balance Sheet Analysis

As of March 31, 2015, Fife Commercial Bank had assets of $86,122,000, loans of $59,452,000, and deposits of $72,749,000. 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 $ 59.45 million
Loan loss allowance $ 1.09 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 $ 72.75 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 $ 87.72 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 Fife Commercial Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Washington, Fife Commercial Bank has a significantly higher percent of Small Business Loans, Construction and Development 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 19.42
Multifamily
Mortgages
12.98
Credit Card Loans 0.00
Consumer Auto Loans 0.22
Small Business Loans 25.77
Construction and Development Loans 17.21
Commercial Real Estate 38.13
Commercial and Industrial Loans 12.52
Farm Loans 0.00

Frequently Asked Questions About Fife Commercial Bank

Branches and Savings

Is Fife Commercial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #34791.

Why does Fife Commercial Bank pay such low interest on savings accounts?

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

Why are Fife Commercial Bank CD rates not competitive?

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

Is Fife Commercial Bank a commercial bank?

Yes

Where are Fife Commercial Bank locations?

See branch locations nearby.

Is Fife Commercial Bank open on Saturdays?

Is Fife Commercial Bank open on Sundays?

What time does Fife Commercial Bank open?

What time does Fife Commercial Bank close?

Are Fife Commercial Bank ATMs Open 24/7?

Do Fife Commercial Bank ATMs accept cash deposits?

Can Fife Commercial Bank customers use other ATMs?

Do Fife Commercial Bank branches have notaries?

Will Fife Commercial Bank notarize my document?

What address for Fife Commercial Bank should I put for incoming ACH transfers?

Will the Fife Commercial Bank branch print checks?

Do Fife Commercial Bank checks expire?

Does Fife Commercial Bank require US citizenship to open account?

Can Fife Commercial Bank close my account?

Does Fife Commercial Bank Report to credit bureaus?

Does Fife Commercial Bank Use Equifax?

What is Fife Commercial Bank's ACH Routing Number?

What is Fife Commercial Bank's SWIFT code?

Products

Does Fife Commercial Bank offer mortgages?

Compare mortgage rates here.

Does Fife Commercial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Fife Commercial Bank offer personal loans?

Compare personal loan rates here.

Does Fife Commercial Bank offer student loans?

Will Fife Commercial Bank cash a check?

Will Fife Commercial Bank redeem a savings bond?

Does Fife Commercial Bank cash savings bonds?

Will Fife Commercial Bank cash money orders?

Can Fife Commercial Bank issue a money order?

Does Fife Commercial Bank do currency exchange?

Background on The Bank

Who owns Fife Commercial Bank?

How long has Fife Commercial Bank been around?

Can Fife Commercial Bank transfer to other banks?

Does Fife Commercial Bank have quick pay?

Does Fife Commercial Bank accept rolled coins?

Will Fife Commercial Bank accept loose change?

Where is Fife Commercial Bank headquarters?

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