First Bank and Trust of Fullerton

Headquarters

230 Broadway
Fullerton, NE 68638
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.70% →
1-Year CD 0.60% 0.75% →
2-Year CD 0.65% 0.81% →
5-Year CD 1.00% 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

First Bank and Trust of Fullerton is an FDIC insured institution located in Fullerton, NE. It was founded in 1881 and has approximately $0.1 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 5405
Date Established 1881
Assets $ 98.33 million
Loans $ 68.60 million
Deposits $ 63.39 million
Capital $ 14.33 million
 

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

Deposit Rates - January 23, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.40% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
Special: 9 Mo CD
0.50% $500 - Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
0.80% $100,000 $199,999 Learn More
48 Mo CD
1.00% $10,000 $14,999 Learn More
48 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.20% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - January 23, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First Bank and Trust of Fullerton

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 (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.480% 2.375% 1.00 $3,500 $972 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
2.670% 2.625% 0.63 $1,480 $1,005 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.562% 2.500% 0.75 $2,030 $988 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to First Bank and Trust of Fullerton
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Branches

First Bank and Trust of Fullerton 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


First Bank and Trust of Fullerton Locations


Financial Details

First Bank and Trust of Fullerton Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Bank and Trust of Fullerton. 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
First Bank and Trust of Fullerton U.S. Bank Average
4.75% 6.14%

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 September 30, 2020, First Bank and Trust of Fullerton had $719,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,326,000 in equity and $814,000 in loans loss reserves. That gives it a Texas Ratio of 4.75%.

Return on Equity
First Bank and Trust of Fullerton U.S. Bank Average
5.89% 9.23%

First Bank and Trust of Fullerton has a Return on Equity of 5.89% versus the BestCashCow average of 9.23%. 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
First Bank and Trust of Fullerton U.S. Bank Average
14.57% 12.07%

First Bank and Trust of Fullerton has a Capitalization of 14.57% versus the BestCashCow average of 12.07. 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.

First Bank and Trust of Fullerton Balance Sheet Analysis

As of September 30, 2020, First Bank and Trust of Fullerton had assets of $98,326,000, loans of $68,595,000, and deposits of $63,394,000. 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

September 30, 2020
ASSETS
Cash & Balances due from depository institutions $ 11.14 million
Interest-bearing balances $ 8.25 million
Total securities $ 13.01 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 68.60 million
Loan loss allowance $ 0.81 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 $ 5.21 million
     Total Assets $ 84.00 million
LIABILITIES
Total deposits $ 63.39 million
      Interest-bearing deposits $ 53.96 million
      Deposits held in domestic offices $ 63.39 million
      % insured (estimated) 93.72%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 19.79 million
Subordinated debt N.A.
All other liabilities $ 0.82 million
      Total Liabilities $ 84.00 million
      Shareholders’ Equity $ 14.33 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.85 million
Total Interest Expense $ 0.74 million
Net interest income $ 2.11 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.10 million
Total non interest expense $ 1.47 million
Pre-tax Net Operating Income $ 0.75 million

Bank Loan Profile?

The top three loan types in First Bank and Trust of Fullerton’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks, First Bank and Trust of Fullerton’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 0.36
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.45
Small Business Loans 0.00
Construction and Development Loans 0.12
Commercial Real Estate 1.98
Commercial and Industrial Loans 10.91
Farm Loans 37.08

Frequently Asked Questions About First Bank And Trust Of Fullerton

Branches and Savings

Is First Bank And Trust Of Fullerton FDIC insured?

Yes. It is covered under FDIC Certificate #5405.

Why does First Bank And Trust Of Fullerton pay such low interest on savings accounts?

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

Why are First Bank And Trust Of Fullerton CD rates not competitive?

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

Is First Bank And Trust Of Fullerton a commercial bank?

Yes

Where are First Bank And Trust Of Fullerton locations?

See branch locations nearby.

Is First Bank And Trust Of Fullerton open on Saturdays?

Is First Bank And Trust Of Fullerton open on Sundays?

What time does First Bank And Trust Of Fullerton open?

What time does First Bank And Trust Of Fullerton close?

Are First Bank And Trust Of Fullerton ATMs Open 24/7?

Do First Bank And Trust Of Fullerton ATMs accept cash deposits?

Can First Bank And Trust Of Fullerton customers use other ATMs?

Do First Bank And Trust Of Fullerton branches have notaries?

Will First Bank And Trust Of Fullerton notarize my document?

What address for First Bank And Trust Of Fullerton should I put for incoming ACH transfers?

Will the First Bank And Trust Of Fullerton branch print checks?

Do First Bank And Trust Of Fullerton checks expire?

Does First Bank And Trust Of Fullerton require US citizenship to open account?

Can First Bank And Trust Of Fullerton close my account?

Does First Bank And Trust Of Fullerton Report to credit bureaus?

Does First Bank And Trust Of Fullerton Use Equifax?

What is First Bank And Trust Of Fullerton's ACH Routing Number?

What is First Bank And Trust Of Fullerton's SWIFT code?

Products

Does First Bank And Trust Of Fullerton offer mortgages?

Compare mortgage rates here.

Does First Bank And Trust Of Fullerton offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Bank And Trust Of Fullerton offer personal loans?

Compare personal loan rates here.

Does First Bank And Trust Of Fullerton offer student loans?

Will First Bank And Trust Of Fullerton cash a check?

Will First Bank And Trust Of Fullerton redeem a savings bond?

Does First Bank And Trust Of Fullerton cash savings bonds?

Will First Bank And Trust Of Fullerton cash money orders?

Can First Bank And Trust Of Fullerton issue a money order?

Does First Bank And Trust Of Fullerton do currency exchange?

Background on The Bank

Who owns First Bank And Trust Of Fullerton?

How long has First Bank And Trust Of Fullerton been around?

Can First Bank And Trust Of Fullerton transfer to other banks?

Does First Bank And Trust Of Fullerton have quick pay?

Does First Bank And Trust Of Fullerton accept rolled coins?

Will First Bank And Trust Of Fullerton accept loose change?

Where is First Bank And Trust Of Fullerton headquarters?

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