First State Bank of Campbell Hill

Headquarters

114 West Front Street
Campbell Hill, IL 62916
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 1.20% →
1-Year CD 0.40% 1.10% →
2-Year CD 0.60% 1.15% →
5-Year CD 1.00% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

First State Bank of Campbell Hill is an FDIC insured institution located in Campbell Hill, IL. It was founded in 1921 and has approximately $0.12 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 10799
Date Established 1921
Assets $ 117.22 million
Loans $ 80.00 million
Deposits $ 101.88 million
Capital $ 13.79 million
 

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

Deposit Rates - August 4, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.20% $100 - Learn More
Money Market
0.15% $2,500 - Learn More
Premium Money Market Account
0.15% $1 $34,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $500 - Learn More
6 Mo CD
0.25% $500 - Learn More
12 Mo CD
0.40% $500 - Learn More
18 Mo CD
0.45% $500 - Learn More
24 Mo CD
0.60% $500 - Learn More
30 Mo CD
0.75% $500 - Learn More
36 Mo CD
0.80% $500 - Learn More
48 Mo CD
0.90% $500 - Learn More
60 Mo CD
1.00% $500 - Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - August 4, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First State Bank of Campbell Hill

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
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AimLoan.com
NMLS ID: 2890
License#: 13256
2.930% 2.875% 0.75 $1,760 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
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People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
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Note to First State Bank of Campbell Hill
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Branches

First State Bank of Campbell Hill 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 State Bank of Campbell Hill Locations


Financial Details

First State Bank of Campbell Hill Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First State Bank of Campbell Hill. 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 State Bank of Campbell Hill U.S. Bank Average
7.67% 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 State Bank of Campbell Hill had $1,116,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $13,785,000 in equity and $768,000 in loans loss reserves. That gives it a Texas Ratio of 7.67%.

Return on Equity
First State Bank of Campbell Hill U.S. Bank Average
10.77% 7.80%

First State Bank of Campbell Hill has a Return on Equity of 10.77% 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 State Bank of Campbell Hill U.S. Bank Average
11.76% 12.68%

First State Bank of Campbell Hill has a Capitalization of 11.76% 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 State Bank of Campbell Hill Balance Sheet Analysis

As of March 31, 2020, First State Bank of Campbell Hill had assets of $117,224,000, loans of $79,997,000, and deposits of $101,884,000. 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 $ 12.64 million
Interest-bearing balances $ 10.46 million
Total securities $ 19.20 million
Federal funds sold and reverse repurchase $ 0.37 million
Net loans and leases $ 80.00 million
Loan loss allowance $ 0.77 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 $ 3.23 million
     Total Assets $ 103.44 million
LIABILITIES
Total deposits $ 101.88 million
      Interest-bearing deposits $ 80.96 million
      Deposits held in domestic offices $ 101.88 million
      % insured (estimated) 89.48%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.56 million
      Total Liabilities $ 103.44 million
      Shareholders’ Equity $ 13.79 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.26 million
Total Interest Expense $ 0.21 million
Net interest income $ 1.05 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.13 million
Total non interest expense $ 0.69 million
Pre-tax Net Operating Income $ 0.49 million

Bank Loan Profile?

The top three loan types in First State Bank of Campbell Hill’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Illinois, First State Bank of Campbell Hill has a significantly higher percent of Small Business 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 41.77
Multifamily
Mortgages
0.91
Credit Card Loans 0.00
Consumer Auto Loans 1.64
Small Business Loans 14.81
Construction and Development Loans 1.65
Commercial Real Estate 15.34
Commercial and Industrial Loans 8.95
Farm Loans 3.97

Frequently Asked Questions About First State Bank Of Campbell Hill

Branches and Savings

Is First State Bank Of Campbell Hill FDIC insured?

Yes. It is covered under FDIC Certificate #10799.

Why does First State Bank Of Campbell Hill pay such low interest on savings accounts?

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

Why are First State Bank Of Campbell Hill CD rates not competitive?

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

Is First State Bank Of Campbell Hill a commercial bank?

Yes

Where are First State Bank Of Campbell Hill locations?

See branch locations nearby.

Is First State Bank Of Campbell Hill open on Saturdays?

Is First State Bank Of Campbell Hill open on Sundays?

What time does First State Bank Of Campbell Hill open?

What time does First State Bank Of Campbell Hill close?

Are First State Bank Of Campbell Hill ATMs Open 24/7?

Do First State Bank Of Campbell Hill ATMs accept cash deposits?

Can First State Bank Of Campbell Hill customers use other ATMs?

Do First State Bank Of Campbell Hill branches have notaries?

Will First State Bank Of Campbell Hill notarize my document?

What address for First State Bank Of Campbell Hill should I put for incoming ACH transfers?

Will the First State Bank Of Campbell Hill branch print checks?

Do First State Bank Of Campbell Hill checks expire?

Does First State Bank Of Campbell Hill require US citizenship to open account?

Can First State Bank Of Campbell Hill close my account?

Does First State Bank Of Campbell Hill Report to credit bureaus?

Does First State Bank Of Campbell Hill Use Equifax?

What is First State Bank Of Campbell Hill's ACH Routing Number?

What is First State Bank Of Campbell Hill's SWIFT code?

Products

Does First State Bank Of Campbell Hill offer mortgages?

Compare mortgage rates here.

Does First State Bank Of Campbell Hill offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First State Bank Of Campbell Hill offer personal loans?

Compare personal loan rates here.

Does First State Bank Of Campbell Hill offer student loans?

Will First State Bank Of Campbell Hill cash a check?

Will First State Bank Of Campbell Hill redeem a savings bond?

Does First State Bank Of Campbell Hill cash savings bonds?

Will First State Bank Of Campbell Hill cash money orders?

Can First State Bank Of Campbell Hill issue a money order?

Does First State Bank Of Campbell Hill do currency exchange?

Background on The Bank

Who owns First State Bank Of Campbell Hill?

How long has First State Bank Of Campbell Hill been around?

Can First State Bank Of Campbell Hill transfer to other banks?

Does First State Bank Of Campbell Hill have quick pay?

Does First State Bank Of Campbell Hill accept rolled coins?

Will First State Bank Of Campbell Hill accept loose change?

Where is First State Bank Of Campbell Hill headquarters?

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