First Citizens Bank of Polson, National Association

Headquarters

213 First Street West
Polson, MT 59860
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

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.

FDIC Insured Yes
FDIC Certificate # 21478
Date Established 1974
Assets $ 16.82 million
Loans $ 8.13 million
Deposits $ 15.66 million
Capital $ 1.08 million
 

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.

Deposit Rates - September 26, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 26, 2020

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

Featured - Virginia 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 First Citizens Bank of Polson, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

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
0.63% 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 Citizens Bank of Polson, National Association had $8,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $1,084,000 in equity and $187,000 in loans loss reserves. That gives it a Texas Ratio of 0.63%.

Return on Equity
First Citizens Bank of Polson, National Association U.S. Bank Average
-32.33% 7.80%

First Citizens Bank of Polson, National Association has a Return on Equity of -32.33% 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 Citizens Bank of Polson, National Association U.S. Bank Average
6.44% 12.68%

First Citizens Bank of Polson, National Association has a Capitalization of 6.44% 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 Citizens Bank of Polson, National Association Balance Sheet Analysis

As of March 31, 2020, First Citizens Bank of Polson, National Association had assets of $16,820,000, loans of $8,133,000, and deposits of $15,662,000. 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 $ 0.98 million
Interest-bearing balances $ 0.43 million
Total securities $ 1.55 million
Federal funds sold and reverse repurchase $ 5.09 million
Net loans and leases $ 8.13 million
Loan loss allowance $ 0.19 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 $ 0.20 million
     Total Assets $ 15.74 million
LIABILITIES
Total deposits $ 15.66 million
      Interest-bearing deposits $ 8.35 million
      Deposits held in domestic offices $ 15.66 million
      % insured (estimated) 99.79%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.07 million
      Total Liabilities $ 15.74 million
      Shareholders’ Equity $ 1.08 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.16 million
Total Interest Expense $ 0.00 million
Net interest income $ 0.16 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.07 million
Total non interest expense $ 0.40 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Montana, First Citizens Bank of Polson, National Association has a significantly higher percent of Credit Card 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 29.48
Multifamily
Mortgages
0.00
Credit Card Loans 1.48
Consumer Auto Loans 3.25
Small Business Loans 0.00
Construction and Development Loans 10.56
Commercial Real Estate 38.12
Commercial and Industrial Loans 16.03
Farm Loans 0.00

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?

Customer Reviews for First Citizens Bank of Polson, National Association

There are currently no comments for First Citizens Bank of Polson, National Association. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →