First National Bank of Wauchula

406 North Sixth Avenue
Wauchula, FL 33873

Notable Rates APY Vs.Others
Savings 0.15% 2.60% →
1-Year CD 1.15% 2.25% →
2-Year CD 1.76% 2.50% →
5-Year CD 2.27% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

First National Bank of Wauchula is an FDIC insured institution located in Wauchula, FL. It was founded in 1960 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 18136
Date Established 1960
Assets $0.07 billion
Loans $0.05 billion
Deposits $0.06 billion
Capital $0.01 billion
 

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

Deposit Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.15% $2,500 $25,000 Learn MoreShow Less
Money Market
0.30% $25,001 $100,000 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.30% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.55% $100,000 - Learn MoreShow Less
6 Mo CD
0.65% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
0.90% $100,000 - Learn MoreShow Less
12 Mo CD
0.90% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.15% $100,000 - Learn MoreShow Less
18 Mo CD
1.26% $1,000 $99,999 Learn MoreShow Less
18 Mo CD
1.51% $100,000 - Learn MoreShow Less
24 Mo CD
1.51% $1,000 $99,999 Learn MoreShow Less
24 Mo CD
1.76% $100,000 - Learn MoreShow Less
30 Mo CD
1.66% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
2.02% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
2.27% $100,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.90% $1,000 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

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

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.530% 3.500% 0.38 $930 $1,123 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More

Featured - Virginia 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
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 Learn More
More Info

Note to First National Bank of Wauchula
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Branches

First National Bank of Wauchula 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 National Bank of Wauchula Locations


Financial Details

First National Bank of Wauchula Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank of Wauchula. 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 Wauchula U.S. Bank Average
15.98% 6.77%

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, 2019, First National Bank of Wauchula had $1,483,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,355,000 in equity and $927,000 in loans loss reserves. That gives it a Texas Ratio of 15.98%.

Return on Equity
First National Bank of Wauchula U.S. Bank Average
3.09% 9.50%

First National Bank of Wauchula has a Return on Equity of 3.09% versus the BestCashCow average of 9.50%. 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 Wauchula U.S. Bank Average
11.83% 12.76%

First National Bank of Wauchula has a Capitalization of 11.83% versus the BestCashCow average of 12.76. 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 Wauchula Balance Sheet Analysis

As of June 30, 2019, First National Bank of Wauchula had assets of $70,596,000, loans of $48,632,000, and deposits of $60,325,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.05 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 $0.06 billion
LIABILITIES
Total deposits $0.06 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 90.96%
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 $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 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 National Bank of Wauchula’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Florida, First National Bank of Wauchula 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 46.85
Multifamily
Mortgages
3.29
Credit Card Loans 0.00
Consumer Auto Loans 2.37
Small Business Loans 22.13
Construction and Development Loans 5.66
Commercial Real Estate 22.13
Commercial and Industrial Loans 9.83
Farm Loans 2.11

Frequently Asked Questions About First National Bank Of Wauchula

Branches and Savings

Is First National Bank Of Wauchula FDIC insured?

Yes. It is covered under FDIC Certificate #18136.

Why does First National Bank Of Wauchula 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 Wauchula CD rates not competitive?

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

Is First National Bank Of Wauchula a commercial bank?

Yes

Where are First National Bank Of Wauchula locations?

See branch locations nearby.

Is First National Bank Of Wauchula open on Saturdays?

Is First National Bank Of Wauchula open on Sundays?

What time does First National Bank Of Wauchula open?

What time does First National Bank Of Wauchula close?

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

Do First National Bank Of Wauchula ATMs accept cash deposits?

Can First National Bank Of Wauchula customers use other ATMs?

Do First National Bank Of Wauchula branches have notaries?

Will First National Bank Of Wauchula notarize my document?

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

Will the First National Bank Of Wauchula branch print checks?

Do First National Bank Of Wauchula checks expire?

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

Can First National Bank Of Wauchula close my account?

Does First National Bank Of Wauchula Report to credit bureaus?

Does First National Bank Of Wauchula Use Equifax?

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

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

Products

Does First National Bank Of Wauchula offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does First National Bank Of Wauchula offer personal loans?

Compare personal loan rates here.

Does First National Bank Of Wauchula offer student loans?

Will First National Bank Of Wauchula cash a check?

Will First National Bank Of Wauchula redeem a savings bond?

Does First National Bank Of Wauchula cash savings bonds?

Will First National Bank Of Wauchula cash money orders?

Can First National Bank Of Wauchula issue a money order?

Does First National Bank Of Wauchula do currency exchange?

Background on The Bank

Who owns First National Bank Of Wauchula?

How long has First National Bank Of Wauchula been around?

Can First National Bank Of Wauchula transfer to other banks?

Does First National Bank Of Wauchula have quick pay?

Does First National Bank Of Wauchula accept rolled coins?

Will First National Bank Of Wauchula accept loose change?

Where is First National Bank Of Wauchula headquarters?

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