First FSB of Mascoutah

Headquarters

101 West Main St
Mascoutah, IL 62258
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.50% 0.95% →
1-Year CD 0.60% 1.01% →
2-Year CD 0.75% 0.95% →
5-Year CD 1.05% 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 FSB of Mascoutah is an FDIC insured institution located in Mascoutah, IL. It was founded in 1913 and has approximately $0.12 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 30969
Date Established 1913
Assets $ 115.74 million
Loans $ 73.33 million
Deposits $ 101.22 million
Capital $ 14.31 million
 

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

Deposit Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.50% $2,500 $4,999 Learn More
Money Market
0.30% $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
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 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
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $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
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First FSB of Mascoutah

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
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.575% 2.500% 1.00 $2,468 $988 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
2.240 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to First FSB of Mascoutah
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

First FSB of Mascoutah 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 FSB of Mascoutah Locations


Financial Details

First FSB of Mascoutah Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First FSB of Mascoutah. 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 FSB of Mascoutah 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, First FSB of Mascoutah had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,312,000 in equity and $557,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
First FSB of Mascoutah U.S. Bank Average
3.1% 7.80%

First FSB of Mascoutah has a Return on Equity of 3.1% 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 FSB of Mascoutah U.S. Bank Average
12.37% 12.68%

First FSB of Mascoutah has a Capitalization of 12.37% 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 FSB of Mascoutah Balance Sheet Analysis

As of March 31, 2020, First FSB of Mascoutah had assets of $115,742,000, loans of $73,325,000, and deposits of $101,222,000. 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 $ 7.13 million
Interest-bearing balances $ 6.37 million
Total securities $ 33.56 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 73.33 million
Loan loss allowance $ 0.56 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 $ 0.84 million
     Total Assets $ 101.43 million
LIABILITIES
Total deposits $ 101.22 million
      Interest-bearing deposits $ 93.37 million
      Deposits held in domestic offices $ 101.22 million
      % insured (estimated) 92.59%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.21 million
      Total Liabilities $ 101.43 million
      Shareholders’ Equity $ 14.31 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.05 million
Total Interest Expense $ 0.34 million
Net interest income $ 0.71 million
Provision for loan and lease losses $ 0.02 million
Total non interest income $ 0.03 million
Total non interest expense $ 0.59 million
Pre-tax Net Operating Income $ 0.14 million

Bank Loan Profile?

The top three loan types in First FSB of Mascoutah’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Commercial and Industrial Loans.

Compared to other banks in Illinois, First FSB of Mascoutah has a significantly higher percent of 1-4 Family Residential 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 76.21
Multifamily
Mortgages
7.20
Credit Card Loans 0.00
Consumer Auto Loans 1.40
Small Business Loans 0.00
Construction and Development Loans 1.45
Commercial Real Estate 4.01
Commercial and Industrial Loans 5.18
Farm Loans 0.20

Frequently Asked Questions About First Fsb Of Mascoutah

Branches and Savings

Is First Fsb Of Mascoutah FDIC insured?

Yes. It is covered under FDIC Certificate #30969.

Why does First Fsb Of Mascoutah pay such low interest on savings accounts?

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

Why are First Fsb Of Mascoutah CD rates not competitive?

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

Is First Fsb Of Mascoutah a commercial bank?

Yes

Where are First Fsb Of Mascoutah locations?

See branch locations nearby.

Is First Fsb Of Mascoutah open on Saturdays?

Is First Fsb Of Mascoutah open on Sundays?

What time does First Fsb Of Mascoutah open?

What time does First Fsb Of Mascoutah close?

Are First Fsb Of Mascoutah ATMs Open 24/7?

Do First Fsb Of Mascoutah ATMs accept cash deposits?

Can First Fsb Of Mascoutah customers use other ATMs?

Do First Fsb Of Mascoutah branches have notaries?

Will First Fsb Of Mascoutah notarize my document?

What address for First Fsb Of Mascoutah should I put for incoming ACH transfers?

Will the First Fsb Of Mascoutah branch print checks?

Do First Fsb Of Mascoutah checks expire?

Does First Fsb Of Mascoutah require US citizenship to open account?

Can First Fsb Of Mascoutah close my account?

Does First Fsb Of Mascoutah Report to credit bureaus?

Does First Fsb Of Mascoutah Use Equifax?

What is First Fsb Of Mascoutah's ACH Routing Number?

What is First Fsb Of Mascoutah's SWIFT code?

Products

Does First Fsb Of Mascoutah offer mortgages?

Compare mortgage rates here.

Does First Fsb Of Mascoutah offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First Fsb Of Mascoutah offer personal loans?

Compare personal loan rates here.

Does First Fsb Of Mascoutah offer student loans?

Will First Fsb Of Mascoutah cash a check?

Will First Fsb Of Mascoutah redeem a savings bond?

Does First Fsb Of Mascoutah cash savings bonds?

Will First Fsb Of Mascoutah cash money orders?

Can First Fsb Of Mascoutah issue a money order?

Does First Fsb Of Mascoutah do currency exchange?

Background on The Bank

Who owns First Fsb Of Mascoutah?

How long has First Fsb Of Mascoutah been around?

Can First Fsb Of Mascoutah transfer to other banks?

Does First Fsb Of Mascoutah have quick pay?

Does First Fsb Of Mascoutah accept rolled coins?

Will First Fsb Of Mascoutah accept loose change?

Where is First Fsb Of Mascoutah headquarters?

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