First Bank Hampton

Headquarters

211 1st Avenue, N.W.
Hampton, IA 50441
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
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

First Bank Hampton is an FDIC insured institution located in Hampton, IA. It was founded in 1933 and has approximately $0.18 billion in assets.

FDIC Insured Yes
FDIC Certificate # 4464
Date Established 1933
Assets $ 179.90 million
Loans $ 127.68 million
Deposits $ 141.49 million
Capital $ 21.78 million
 

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

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First Bank Hampton

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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Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.570% 2.500% 0.88 $2,312 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Third Federal Savings and Loans
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2.240 %
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People's United Bank, N.A.
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4.000 %
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Note to First Bank Hampton
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Branches

First Bank Hampton 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


First Bank Hampton Locations


Financial Details

First Bank Hampton Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Bank Hampton. 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 Hampton U.S. Bank Average
0.64% 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, First Bank Hampton had $156,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $21,775,000 in equity and $2,570,000 in loans loss reserves. That gives it a Texas Ratio of 0.64%.

Return on Equity
First Bank Hampton U.S. Bank Average
12.95% 7.80%

First Bank Hampton has a Return on Equity of 12.95% 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
First Bank Hampton U.S. Bank Average
12.1% 12.68%

First Bank Hampton has a Capitalization of 12.1% 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.

First Bank Hampton Balance Sheet Analysis

As of March 31, 2020, First Bank Hampton had assets of $179,904,000, loans of $127,679,000, and deposits of $141,490,000. 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 $ 7.45 million
Interest-bearing balances $ 5.12 million
Total securities $ 25.72 million
Federal funds sold and reverse repurchase $ 13.90 million
Net loans and leases $ 127.68 million
Loan loss allowance $ 2.57 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 $ 4.05 million
     Total Assets $ 158.13 million
LIABILITIES
Total deposits $ 141.49 million
      Interest-bearing deposits $ 137.35 million
      Deposits held in domestic offices $ 141.49 million
      % insured (estimated) 64.39%
Federal funds purchased and repurchase agreements $ 16.33 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.31 million
      Total Liabilities $ 158.13 million
      Shareholders’ Equity $ 21.78 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.90 million
Total Interest Expense $ 0.35 million
Net interest income $ 1.54 million
Provision for loan and lease losses $ 0.07 million
Total non interest income $ 0.16 million
Total non interest expense $ 0.89 million
Pre-tax Net Operating Income $ 0.74 million

Bank Loan Profile?

The top three loan types in First Bank Hampton’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Iowa, First Bank Hampton has a significantly higher percent of Commercial and Industrial 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 19.48
Multifamily
Mortgages
0.24
Credit Card Loans 0.00
Consumer Auto Loans 3.20
Small Business Loans 0.00
Construction and Development Loans 0.48
Commercial Real Estate 8.92
Commercial and Industrial Loans 20.92
Farm Loans 26.15

Frequently Asked Questions About First Bank Hampton

Branches and Savings

Is First Bank Hampton FDIC insured?

Yes. It is covered under FDIC Certificate #4464.

Why does First Bank Hampton 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 Hampton CD rates not competitive?

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

Is First Bank Hampton a commercial bank?

Yes

Where are First Bank Hampton locations?

See branch locations nearby.

Is First Bank Hampton open on Saturdays?

Is First Bank Hampton open on Sundays?

What time does First Bank Hampton open?

What time does First Bank Hampton close?

Are First Bank Hampton ATMs Open 24/7?

Do First Bank Hampton ATMs accept cash deposits?

Can First Bank Hampton customers use other ATMs?

Do First Bank Hampton branches have notaries?

Will First Bank Hampton notarize my document?

What address for First Bank Hampton should I put for incoming ACH transfers?

Will the First Bank Hampton branch print checks?

Do First Bank Hampton checks expire?

Does First Bank Hampton require US citizenship to open account?

Can First Bank Hampton close my account?

Does First Bank Hampton Report to credit bureaus?

Does First Bank Hampton Use Equifax?

What is First Bank Hampton's ACH Routing Number?

What is First Bank Hampton's SWIFT code?

Products

Does First Bank Hampton offer mortgages?

Compare mortgage rates here.

Does First Bank Hampton offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Bank Hampton offer personal loans?

Compare personal loan rates here.

Does First Bank Hampton offer student loans?

Will First Bank Hampton cash a check?

Will First Bank Hampton redeem a savings bond?

Does First Bank Hampton cash savings bonds?

Will First Bank Hampton cash money orders?

Can First Bank Hampton issue a money order?

Does First Bank Hampton do currency exchange?

Background on The Bank

Who owns First Bank Hampton?

How long has First Bank Hampton been around?

Can First Bank Hampton transfer to other banks?

Does First Bank Hampton have quick pay?

Does First Bank Hampton accept rolled coins?

Will First Bank Hampton accept loose change?

Where is First Bank Hampton headquarters?

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