First Citizens Bank of Polson, National Association

213 First Street West
Polson, MT 59860

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 21478
Date Established 1974
Assets $0.02 billion
Loans $0.01 billion
Deposits $0.02 billion
Capital $0.00 billion

First Citizens Bank of Polson, National Association is an FDIC insured institution located in Polson, MT. It was founded in 1974 and has approximately $0.02 billion in assets.

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

Bank Loan Profile?

The top three loan types in First Citizens Bank of Polson, National Association’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in Montana, First Citizens Bank of Polson, National Association has a significantly higher percent of Credit Card Loans, Small Business Loans, Commercial Real Estate 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 21.47
Multifamily
Mortgages
1.67
Credit Card Loans 1.62
Consumer Auto Loans 2.89
Small Business Loans 47.85
Construction and Development Loans 3.47
Commercial Real Estate 53.88
Commercial and Industrial Loans 13.13
Farm Loans 0.00

Deposit Rates - December 16, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.02% $1,000 $9,999 Learn MoreShow Less
Money Market
0.05% $10,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.10% $10,000 - Learn MoreShow Less
6 Mo CD
0.15% $10,000 - Learn MoreShow Less
12 Mo CD
0.25% $10,000 - Learn MoreShow Less
24 Mo CD
0.40% $10,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.25% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.02% $900 - Learn MoreShow Less

Loan Rates - December 16, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for First Citizens Bank of Polson, National Association

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.518% 4.500% 0.25 $540 $1,267 Learn More
Ally Bank
NMLS ID: 181005
4.791% 4.750% 0.13 $1,276 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More

Note to First Citizens Bank of Polson, National Association
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Branches

First Citizens Bank of Polson, National Association 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 Citizens Bank of Polson, National Association Locations

Financial Details

First Citizens Bank of Polson, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First Citizens Bank of Polson, National Association. 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 Citizens Bank of Polson, National Association U.S. Bank Average
13.76% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 June 30, 2018, First Citizens Bank of Polson, National Association had $150,000 in non-current loans and $141,000 in owned real estate. To cover these potential losses it had $1,919,000 in equity and $196,000 in loans loss reserves. That gives it a Texas Ratio of 13.76%.

Return on Equity
First Citizens Bank of Polson, National Association U.S. Bank Average
17.71% 9.77%

First Citizens Bank of Polson, National Association has a Return on Equity of 17.71% versus the BestCashCow average of 9.77%. 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 Citizens Bank of Polson, National Association U.S. Bank Average
10.14% 12.31%

First Citizens Bank of Polson, National Association has a Capitalization of 10.14% versus the BestCashCow average of 12.31. 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 Citizens Bank of Polson, National Association Balance Sheet Analysis

As of June 30, 2018, First Citizens Bank of Polson, National Association had assets of $18,928,000, loans of $11,528,000, and deposits of $16,925,000. 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

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.01 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.02 billion
LIABILITIES
Total deposits $0.02 billion
      Interest-bearing deposits $0.01 billion
      Deposits held in domestic offices $0.02 billion
      % insured (estimated) 96.71%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.02 billion
      Shareholders’ Equity $0.00 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About First Citizens Bank Of Polson, National Association

Branches and Savings

Is First Citizens Bank Of Polson, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #21478.

Why does First Citizens Bank Of Polson, National Association pay such low interest on savings accounts?

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

Why are First Citizens Bank Of Polson, National Association CD rates not competitive?

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

Is First Citizens Bank Of Polson, National Association a commercial bank?

Yes

Where are First Citizens Bank Of Polson, National Association locations?

See branch locations nearby.

Is First Citizens Bank Of Polson, National Association open on Saturdays?

Is First Citizens Bank Of Polson, National Association open on Sundays?

What time does First Citizens Bank Of Polson, National Association open?

What time does First Citizens Bank Of Polson, National Association close?

Are First Citizens Bank Of Polson, National Association ATMs Open 24/7?

Do First Citizens Bank Of Polson, National Association ATMs accept cash deposits?

Can First Citizens Bank Of Polson, National Association customers use other ATMs?

Do First Citizens Bank Of Polson, National Association branches have notaries?

Will First Citizens Bank Of Polson, National Association notarize my document?

What address for First Citizens Bank Of Polson, National Association should I put for incoming ACH transfers?

Will the First Citizens Bank Of Polson, National Association branch print checks?

Do First Citizens Bank Of Polson, National Association checks expire?

Does First Citizens Bank Of Polson, National Association require US citizenship to open account?

Can First Citizens Bank Of Polson, National Association close my account?

Does First Citizens Bank Of Polson, National Association Report to credit bureaus?

Does First Citizens Bank Of Polson, National Association Use Equifax?

What is First Citizens Bank Of Polson, National Association's ACH Routing Number?

What is First Citizens Bank Of Polson, National Association's SWIFT code?

Products

Does First Citizens Bank Of Polson, National Association offer mortgages?

Compare mortgage rates here.

Does First Citizens Bank Of Polson, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Citizens Bank Of Polson, National Association offer personal loans?

Compare personal loan rates here.

Does First Citizens Bank Of Polson, National Association offer student loans?

Will First Citizens Bank Of Polson, National Association cash a check?

Will First Citizens Bank Of Polson, National Association redeem a savings bond?

Does First Citizens Bank Of Polson, National Association cash savings bonds?

Will First Citizens Bank Of Polson, National Association cash money orders?

Can First Citizens Bank Of Polson, National Association issue a money order?

Does First Citizens Bank Of Polson, National Association do currency exchange?

Background on The Bank

Who owns First Citizens Bank Of Polson, National Association?

How long has First Citizens Bank Of Polson, National Association been around?

Can First Citizens Bank Of Polson, National Association transfer to other banks?

Does First Citizens Bank Of Polson, National Association have quick pay?

Does First Citizens Bank Of Polson, National Association accept rolled coins?

Will First Citizens Bank Of Polson, National Association accept loose change?

Where is First Citizens Bank Of Polson, National Association headquarters?

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