First National Bank of Holcomb

Headquarters

401 N Henderson St
Holcomb, KS 67851
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 National Bank of Holcomb is an FDIC insured institution located in Holcomb, KS. It was founded in 1983 and has approximately $0.05 billion in assets.

FDIC Insured Yes
FDIC Certificate # 24577
Date Established 1983
Assets $ 47.13 million
Loans $ 20.39 million
Deposits $ 38.65 million
Capital $ 7.00 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank of Holcomb

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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Featured - Connecticut Home Equity Line Of Credit Rates 2020

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Note to First National Bank of Holcomb
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Branches

First National Bank of Holcomb 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 National Bank of Holcomb Locations


Financial Details

First National Bank of Holcomb Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Holcomb. 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 National Bank of Holcomb U.S. Bank Average
0.58% 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 National Bank of Holcomb had $26,000 in non-current loans and $15,000 in owned real estate. To cover these potential losses it had $6,996,000 in equity and $119,000 in loans loss reserves. That gives it a Texas Ratio of 0.58%.

Return on Equity
First National Bank of Holcomb U.S. Bank Average
7.22% 7.80%

First National Bank of Holcomb has a Return on Equity of 7.22% 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 National Bank of Holcomb U.S. Bank Average
14.84% 12.68%

First National Bank of Holcomb has a Capitalization of 14.84% 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 National Bank of Holcomb Balance Sheet Analysis

As of June 30, 2014, First National Bank of Holcomb had assets of $47,127,000, loans of $20,387,000, and deposits of $38,649,000. 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 N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 20.39 million
Loan loss allowance $ 0.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 38.65 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 47.13 million

Summary Income Statement

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

Bank Loan Profile?

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

Compared to other banks in Kansas, First National Bank of Holcomb has a significantly higher percent of Consumer Auto Loans, Farm 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 17.61
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 14.87
Small Business Loans 4.72
Construction and Development Loans 0.91
Commercial Real Estate 4.72
Commercial and Industrial Loans 17.61
Farm Loans 32.42

Frequently Asked Questions About First National Bank Of Holcomb

Branches and Savings

Is First National Bank Of Holcomb FDIC insured?

Yes. It is covered under FDIC Certificate #24577.

Why does First National Bank Of Holcomb pay such low interest on savings accounts?

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

Why are First National Bank Of Holcomb CD rates not competitive?

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

Is First National Bank Of Holcomb a commercial bank?

Yes

Where are First National Bank Of Holcomb locations?

See branch locations nearby.

Is First National Bank Of Holcomb open on Saturdays?

Is First National Bank Of Holcomb open on Sundays?

What time does First National Bank Of Holcomb open?

What time does First National Bank Of Holcomb close?

Are First National Bank Of Holcomb ATMs Open 24/7?

Do First National Bank Of Holcomb ATMs accept cash deposits?

Can First National Bank Of Holcomb customers use other ATMs?

Do First National Bank Of Holcomb branches have notaries?

Will First National Bank Of Holcomb notarize my document?

What address for First National Bank Of Holcomb should I put for incoming ACH transfers?

Will the First National Bank Of Holcomb branch print checks?

Do First National Bank Of Holcomb checks expire?

Does First National Bank Of Holcomb require US citizenship to open account?

Can First National Bank Of Holcomb close my account?

Does First National Bank Of Holcomb Report to credit bureaus?

Does First National Bank Of Holcomb Use Equifax?

What is First National Bank Of Holcomb's ACH Routing Number?

What is First National Bank Of Holcomb's SWIFT code?

Products

Does First National Bank Of Holcomb offer mortgages?

Compare mortgage rates here.

Does First National Bank Of Holcomb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank Of Holcomb offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Holcomb offer student loans?

Will First National Bank Of Holcomb cash a check?

Will First National Bank Of Holcomb redeem a savings bond?

Does First National Bank Of Holcomb cash savings bonds?

Will First National Bank Of Holcomb cash money orders?

Can First National Bank Of Holcomb issue a money order?

Does First National Bank Of Holcomb do currency exchange?

Background on The Bank

Who owns First National Bank Of Holcomb?

How long has First National Bank Of Holcomb been around?

Can First National Bank Of Holcomb transfer to other banks?

Does First National Bank Of Holcomb have quick pay?

Does First National Bank Of Holcomb accept rolled coins?

Will First National Bank Of Holcomb accept loose change?

Where is First National Bank Of Holcomb headquarters?

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