First FSB of Mascoutah

101 West Main St
Mascoutah, IL 62258

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30969
Date Established 1913
Assets $0.11 billion
Loans $0.07 billion
Deposits $0.09 billion
Capital $0.01 billion

First FSB of Mascoutah is an FDIC insured institution located in Mascoutah, IL. It was founded in 1913 and has approximately $0.11 billion in assets. Customers can open an account at one of its 3 branches.

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 - September 15, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $1,000 $9,999 Learn MoreShow Less
Money Market
0.60% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $1,000 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less
12 Mo CD
2.02% $1,000 - Learn MoreShow Less
18 Mo CD
2.12% $1,000 - Learn MoreShow Less
24 Mo CD
2.17% $1,000 - Learn MoreShow Less
Special: 30 Mo CD
2.42% $1,000 - Learn MoreShow Less
36 Mo CD
2.27% $1,000 - Learn MoreShow Less
48 Mo CD
2.37% $1,000 - Learn MoreShow Less
60 Mo CD
2.47% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
2.02% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.20% $1,000 - Learn MoreShow Less

Loan Rates - September 15, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to First FSB of Mascoutah
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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:
Seattle,Washington


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
2.19% 6.94%

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 March 31, 2019, First FSB of Mascoutah had $300,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $13,215,000 in equity and $504,000 in loans loss reserves. That gives it a Texas Ratio of 2.19%.

Return on Equity
First FSB of Mascoutah U.S. Bank Average
3.23% 9.47%

First FSB of Mascoutah has a Return on Equity of 3.23% versus the BestCashCow average of 9.47%. 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
12.42% 12.49%

First FSB of Mascoutah has a Capitalization of 12.42% versus the BestCashCow average of 12.49. 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, 2019, First FSB of Mascoutah had assets of $106,392,000, loans of $65,917,000, and deposits of $92,944,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.03 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 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 $0.09 billion
LIABILITIES
Total deposits $0.09 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.09 billion
      % insured (estimated) 92.88%
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 $0.09 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
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

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 77.54
Multifamily
Mortgages
11.49
Credit Card Loans 0.00
Consumer Auto Loans 1.54
Small Business Loans 0.00
Construction and Development Loans 0.40
Commercial Real Estate 1.82
Commercial and Industrial Loans 2.05
Farm Loans 0.17

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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